Saint Cloud, Florida CD Rates Today - Compare Best APYs for May 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
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.
Read Full Bio →
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 Saint Cloud, Florida CD rates include Addition Financial Credit UnionAddition Financial Credit Union3335 13th St, Saint Cloud, FL 34769A+5.0 ★Texas Ratio: 4.12%Real return: +0.24%APY minus CPI (February 2026) offering 60 Month Certificate at 3.04% APY, U S POSTAL SERVICEU S POSTAL SERVICEA+5.0 ★Texas Ratio: 2.27%Real return: +1.45%APY minus CPI (February 2026) offering IRA Certificates 1 Year Starter Add-On at 4.25% APY, Blue Coast Federal Credit UnionBlue Coast Federal Credit UnionA+5.0 ★Texas Ratio: 4.37%Real return: +1.40%APY minus CPI (February 2026) offering 12 Month CD at 4.20% APY, Community First Credit Union Of FloridaCommunity First Credit Union Of FloridaA+5.0 ★Texas Ratio: 4.11%Real return: +1.38%APY minus CPI (February 2026) offering Adjustable 36 Month Term Super Jumbo Max at 4.18% APY, and 1st Street Credit Union1st Street Credit UnionA+5.0 ★Texas Ratio: 1.51%Real return: +1.36%APY minus CPI (February 2026) offering 24 MONTH IRA CERT at 4.16% APY. CD rates as of May 6, 2026 according to verified data from MonitorBankRates.
Saint Cloud has 1 local institution in our database, with CD rates as high as 3.04% APY from Addition Financial Credit Union at 3335 13th St, Saint Cloud, FL 34769. 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: May 6, 2026
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
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Available for current 3-Month CD clients only:
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
3 Month IRA Jumbo
$100,000
3.66%
▼
Rate3.60%
Min Deposit$100,000
Min Balance—
UpdatedMay 2, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
3 Month Jumbo
$100,000
3.66%
▼
Rate3.60%
Min Deposit$100,000
Min Balance—
UpdatedMay 2, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
3-Month Certificate of Deposit
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
3-Month CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
Business Share Certificates 3 Month
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
Share Certificates 3 Month
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Axiom Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.62%
3 Months Certificates of Deposit & IRAs
$0
3.35%
▼
Rate3.29%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Axiom Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.62%
Small Business Certificates of Deposit 3 Months
$0
3.35%
▼
Rate3.29%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
Jumbo Certificates 3 Months
$0
3.29%
▼
Rate3.24%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
3-Month Share Certificate
$1,000
3.26%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 18, 2026
Details
Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
Standard Certificates 3 Months
$0
3.26%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
3-Month Term Certificate
$1,000,000
3.25%
▼
Rate3.20%
Min Deposit$1,000,000
Min Balance—
UpdatedMay 4, 2026
Details
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
3 Months
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
3-Month Term Certificate
$750,000
3.15%
▼
Rate3.10%
Min Deposit$750,000
Min Balance—
UpdatedMay 4, 2026
Details
Okaloosa County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
3 Months
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Funding Limit: $12M
Innovations Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
3 months Compounding Share Certificates
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
3-Month Term Certificate
$50,000
3.00%
▼
Rate2.96%
Min Deposit$50,000
Min Balance—
UpdatedMay 4, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
3-Month Term Certificate
$500
2.90%
▼
Rate2.86%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Rate2.71%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
A penalty may be imposed for early withdrawal.
Ocala Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
90 Days Certificate of Deposit
$500
2.65%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Jumbo Term Share Certificates 3 Months
$0
2.60%
▼
Rate2.60%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
Traditional IRA / Roth IRA Share Certificates 3 month
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
$100,000 and above
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
3 Months Term Share Certificates
$0
2.50%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
Traditional IRA / Roth IRA Share Certificates 3 month
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Under $100,000
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate2.37%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Miami Postal Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
3 Months Share Certificates
$0
2.25%
▼
Rate2.22%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Funding Limit*: $12M
Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
3 month Certificate Account
$0
2.10%
▼
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Traditional IRA and Roth IRA Certificate 3 month
$100,000
1.12%
▼
Rate1.11%
Min Deposit$100,000
Min Balance—
UpdatedApr 17, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
3 month Share Certificate
$100,000
1.12%
▼
Rate1.11%
Min Deposit$100,000
Min Balance—
UpdatedApr 17, 2026
Details
Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
3 Month Term Certificate
$0
1.10%
▼
Rate1.09%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Traditional and Roth IRA 3 month
$500
1.02%
▼
Rate1.01%
Min Deposit$500
Min Balance—
UpdatedApr 17, 2026
Details
Rate0.99%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$1,000 minimum to open.
Rate—
Min Deposit$250
Min Balance—
UpdatedMay 4, 2026
Details
Relationship APY
Members First Credit Union of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
Certificates of Deposit 3 Months
$0
0.90%
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Members First Credit Union of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
Youth 3 Months
$0
0.90%
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Traditional/Roth IRA Jumbo Certificate 3-Month
$0
0.75%
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Minimum to open & earn dividends: $100,000
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Traditional/Roth IRA Mini-Jumbo Certificate 3-Month
$0
0.75%
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Minimum to open & earn dividends: $50,000
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Traditional/Roth IRA Standard 3-Month
$0
0.75%
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Minimum to open & earn dividends: $1,000
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
Share Certificates - 3 month
$0
0.70%
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
3-month term Standard CDs
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
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%
6-Month CD Term
$1,000
4.15%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Rates subject to change
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
Fixed Rate Jumbo Certificates 6 Months
$50,000
4.13%
▼
Rate4.05%
Min Deposit$50,000
Min Balance—
UpdatedMay 2, 2026
Details
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Limited Time
Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
6 month Certificate Account
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
6 month IRA Certificate Account
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
6 month Roth IRA Certificate Account
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
6 Months Fixed Rate Certificates
$1,000
4.08%
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
Business Fixed Rate Certificates 6 Months
$1,000
4.08%
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Over 7 different types of business CDs to choose from.
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Wings Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
6-month certificate
$500
3.90%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details
New money only.
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
6 Month Jumbo
$100,000
3.87%
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
UpdatedMay 2, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
6 Month IRA Jumbo
$100,000
3.87%
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
UpdatedMay 2, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
6-Month Share Certificate
$1,000
3.87%
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedApr 18, 2026
Details
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
6-Month
$500
3.87%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Dividends Compounded Paid: Monthly
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
6 Month IRA Share Certificate
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
6 Months Share Certificates
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
6 month term Share Certificate
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
6 month term Share Certificates
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
6 month term
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Panhandle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
6-Month IRA Certificate
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Panhandle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
6-Month Share Certificate
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
6-Month Term Certificate
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
City County Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
6 Months
$0
3.70%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
City County Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
6 Months Certificate
$0
3.70%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
6 months
$1,000
3.65%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
6 Month Share Certificate
$1,000
3.65%
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
6 Month IRA
$1,000
3.65%
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
6-Month Term Certificate
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
PowerNet Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
6 Month Certificate
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Early withdrawal penalties may apply.
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
6-Month Term Certificate
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
6 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Axiom Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.62%
6 Months Certificates of Deposit & IRAs
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Axiom Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.62%
Small Business Certificates of Deposit 6 Months
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
6 Month SaveUP CD Super Jumbo Max
$1,000,000
3.56%
▼
Rate3.50%
Min Deposit$1,000,000
Min Balance—
UpdatedApr 19, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
6-Month Term Certificate
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
IRA Certificates 1 Year Starter Add-On
$0
4.25%
▼
Rate4.18%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Blue Coast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
12 Month CD
$1,000
4.20%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 26, 2026
Details
Dividends compounded/paid monthly
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
1 Year Add-On Starter Certificate
$0
4.10%
▼
Rate4.04%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
1 Year Add-On Certificate
$0
4.10%
▼
Rate4.04%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Youth Advantage - 12 Month Term Super Jumbo Max
$1,000,000
4.08%
▼
Rate4.00%
Min Deposit$1,000,000
Min Balance—
UpdatedApr 19, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
Fixed Rate Jumbo Certificates 12 Months
$50,000
4.08%
▼
Rate4.00%
Min Deposit$50,000
Min Balance—
UpdatedMay 2, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
12-Month Term Certificate
$0
4.05%
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
12 Month HSA Fixed Rate Certificates
$1,000
4.03%
▼
Rate3.95%
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
12 Months Fixed Rate Certificates
$1,000
4.03%
▼
Rate3.95%
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
Business Fixed Rate Certificates 12 Months
$1,000
4.03%
▼
Rate3.95%
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
12 Months Share Certificates
$0
4.00%
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
12 Month IRA Share Certificate
$0
4.00%
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Adventhealth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
12-month Certificate
$500
4.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate3.92%
Min Deposit$25,000
Min Balance—
UpdatedMay 4, 2026
Details
Online-only high-yield rates.
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
12-Month Term Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
12-Month Term Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1 Year Retirement Share Certificate
$10,000
3.91%
▼
Rate3.84%
Min Deposit$10,000
Min Balance—
UpdatedMay 2, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
12-Month Term Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
1-Year Share Certificate
$1,000
3.87%
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedApr 18, 2026
Details
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
12-Month
$500
3.87%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Dividends Compounded Paid: Monthly
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
12 Month IRA Jumbo
$100,000
3.87%
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
UpdatedMay 2, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
12 Month Jumbo
$100,000
3.87%
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
UpdatedMay 2, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
12-Month Term Certificate
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Traditional/Roth IRA Standard 12-Month
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Minimum to open & earn dividends: $1,000
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Traditional/Roth IRA Mini-Jumbo Certificate 12-Month
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Minimum to open & earn dividends: $50,000
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Traditional/Roth IRA Jumbo Certificate 12-Month
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Minimum to open & earn dividends: $100,000
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
12 Month
$0
3.84%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificate 12-Month
$0
3.84%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Youth Advantage - 12 Month Term Super Jumbo Plus
$750,000
3.82%
▼
Rate3.75%
Min Deposit$750,000
Min Balance—
UpdatedApr 19, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1 Year Share Certificate
$1,000
3.80%
▼
Rate3.74%
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1 Year Rookie Share Certificate
$250
3.80%
▼
Rate3.74%
Min Deposit$250
Min Balance—
UpdatedMay 2, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1 Year IRA
$1,000
3.80%
▼
Rate3.74%
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
Petite Share Certificates 12 month
$40,000
3.80%
▼
Rate3.73%
Min Deposit$40,000
Min Balance—
UpdatedApr 17, 2026
Details
Orlando Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
12-Month Term Starter Rate
$500
3.80%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Starter Rate $500 min & max deposit*
Orlando Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
12-Month Term Share Certificates Starter Rate
$500
3.80%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Starter Rate $500 min & max deposit*
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Jumbo 12 Month Certificates
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Minimum $75,000
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
12 months
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
1 Year
$100,000
3.75%
▼
Rate3.70%
Min Deposit$100,000
Min Balance—
UpdatedApr 27, 2026
Details
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
IRA Share Certificates 12 month
$1,000
3.75%
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details
City County Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
12 Months Certificate
$0
3.75%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
12 month term Share Certificates
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
City County Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
12 Months
$0
3.75%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
12 month term Share Certificate
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
12 month term
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Tampa Bay Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.65%
Share Certificate 18 Month Market Watch
$500
4.15%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
18 Month IRA Share Certificate
$0
4.15%
▼
Rate4.07%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
18 Months Share Certificates
$0
4.15%
▼
Rate4.07%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
18 Month IRA
$1,000
3.90%
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
18 Month IRA Jumbo
$100,000
3.87%
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
UpdatedMay 2, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
18 Month Jumbo
$100,000
3.87%
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
UpdatedMay 2, 2026
Details
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
Petite Share Certificates 18 month
$40,000
3.80%
▼
Rate3.73%
Min Deposit$40,000
Min Balance—
UpdatedApr 17, 2026
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
18 Months IRA Certificates
$0
3.77%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
First Bank (NJ)
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
18 Month Certificate of Deposit
$2,500
3.75%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
$2,500 to open and earn
Malvern Bank Paoli, PA
Institution Rating:
A+5.0 ★
12 or 18 Month Certificate of Deposit
$2,500
3.75%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 3, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 18-Month Variable
$100,000
3.69%
▼
Rate3.63%
Min Deposit$100,000
Min Balance—
UpdatedApr 18, 2026
Details
$100,000 Minimum to Earn APY
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
18 MONTH CERTIFICATE
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
18 MONTH IRA CERT
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
18 MONTH CERTIFICATE
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
18 MONTH IRA CERT
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
18 Months
$0
3.52%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
EGLIN
Institution Rating:
A5.0 ★Texas Ratio: 6.79%
Preferred Investment Certificates 18 month
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Okaloosa County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
18 Months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
18 MONTH CERTIFICATE
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
18 MONTH IRA CERT
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
18-Mo. Jumbo Promo. Certificate
$100,000
3.50%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 17, 2026
Details
Offer ends April 20, 2026.
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
18-Month Jumbo Promotional Certificate
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedApr 17, 2026
Details
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Individual Retirement Accounts 18 months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
18 Months
$0
3.47%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Axiom Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.62%
18 Months Certificates of Deposit & IRAs
$0
3.45%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Axiom Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.62%
Small Business Certificates of Deposit 18 Months
$0
3.45%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Traditional IRA and Roth IRA Certificate 18 month
$100,000
3.41%
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedApr 17, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
18 month Share Certificate
$100,000
3.41%
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedApr 17, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
18 Month Share CD
$500
3.40%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Certificates of Deposit - Pulse Certificate 18 months
$100
3.40%
▼
Rate3.35%
Min Deposit$100
Min Balance—
UpdatedApr 19, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
18 Month Term Share Certificate
$500
3.40%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
18 Month IRA
$500
3.40%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
18-Month Promotional Certificate
$100
3.40%
▼
Rate3.35%
Min Deposit$100
Min Balance—
UpdatedApr 17, 2026
Details
$100 minimum opening balance
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
18-Mo. Jumbo Promo. Certificate
$100
3.40%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedApr 17, 2026
Details
Offer ends April 20, 2026.
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Traditional and Roth IRA 18 month
$500
3.31%
▼
Rate3.27%
Min Deposit$500
Min Balance—
UpdatedApr 17, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
IRA CD Specials 18-month term
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
18-month term CD Specials
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
Share Certificates 18 Month
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 2, 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%
24 MONTH CERTIFICATE
$0
4.16%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
24 MONTH IRA CERT
$0
4.16%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
24 MONTH CERTIFICATE
$0
4.11%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
24 MONTH IRA CERT
$0
4.11%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
24 MONTH CERTIFICATE
$0
4.06%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
24 MONTH IRA CERT
$0
4.06%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
2 Year Retirement Share Certificate
$10,000
4.05%
▼
Rate3.93%
Min Deposit$10,000
Min Balance—
UpdatedMay 2, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
Fixed Rate Jumbo Certificates 24 Months
$50,000
3.98%
▼
Rate3.90%
Min Deposit$50,000
Min Balance—
UpdatedMay 2, 2026
Details
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
Petite Share Certificates 24 month
$40,000
3.95%
▼
Rate3.87%
Min Deposit$40,000
Min Balance—
UpdatedApr 17, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
24 Month HSA Fixed Rate Certificates
$1,000
3.93%
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
24 Months Fixed Rate Certificates
$1,000
3.93%
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
Business Fixed Rate Certificates 24 Months
$1,000
3.93%
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
IRA Share Certificates 24 month
$1,000
3.90%
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
2 Year Share Certificate
$1,000
3.90%
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
24 Month IRA Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
24 Months Share Certificates
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
24 Month Jumbo
$100,000
3.87%
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
UpdatedMay 2, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
24 Month IRA Jumbo
$100,000
3.87%
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
UpdatedMay 2, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
24-Month Term Certificate
$750,000
3.85%
▼
Rate3.78%
Min Deposit$750,000
Min Balance—
UpdatedMay 4, 2026
Details
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
24-Month Term Certificate
$500,000
3.80%
▼
Rate3.73%
Min Deposit$500,000
Min Balance—
UpdatedMay 4, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
2-Year Share Certificate
$1,000
3.77%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedApr 18, 2026
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
24 Months IRA Certificates
$0
3.77%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
Business Adjustable Rate Certificates 24 Months
$1,000
3.76%
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
24 Months Adjustable Rate Certificates
$1,000
3.76%
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
24 Month HSA Adjustable Rate Certificates
$1,000
3.76%
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
24 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Traditional/Roth IRA Jumbo Certificate 24-Month
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Minimum to open & earn dividends: $100,000
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Jumbo College Saver Certificates 24-Month
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Minimum to open & earn dividends: $100,000
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Traditional/Roth IRA Mini-Jumbo Certificate 24-Month
$0
3.65%
▼
Rate3.58%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Minimum to open & earn dividends: $50,000
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Mini-Jumbo College Saver Certificates 24-Month
$0
3.65%
▼
Rate3.58%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Minimum to open & earn dividends: $50,000
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
IRA Certificates 2 Years
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
2 Year
$100,000
3.60%
▼
Rate3.55%
Min Deposit$100,000
Min Balance—
UpdatedApr 27, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Traditional/Roth IRA Standard 24-Month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Minimum to open & earn dividends: $1,000
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Standard College Saver Certificates 24-Month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Minimum to open & earn dividends: $500
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
24 Month
$0
3.59%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
24-Month Term Certificate
$250,000
3.55%
▼
Rate3.49%
Min Deposit$250,000
Min Balance—
UpdatedMay 4, 2026
Details
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Individual Retirement Accounts 24 months
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
24 Months
$0
3.52%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
Jumbo Certificates 24 Months
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
24 Month Term Share Certificate
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
24 Month Share CD
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
24 Month IRA
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
New Money CDs 24 Month
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 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%
Adjustable 36 Month Term Super Jumbo Max
$1,000,000
4.18%
▼
Rate4.10%
Min Deposit$1,000,000
Min Balance—
UpdatedApr 19, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
3 Years Add-On Certificate
$0
4.15%
▼
Rate4.09%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
36 month Share Certificate
$100,000
4.00%
▼
Rate3.94%
Min Deposit$100,000
Min Balance—
UpdatedApr 17, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Traditional IRA and Roth IRA Certificate 36 month
$100,000
4.00%
▼
Rate3.94%
Min Deposit$100,000
Min Balance—
UpdatedApr 17, 2026
Details
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Adjustable 36 Month Term Super Jumbo Plus
$750,000
3.98%
▼
Rate3.90%
Min Deposit$750,000
Min Balance—
UpdatedApr 19, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
36 MONTH CERTIFICATE
$0
3.91%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Traditional and Roth IRA 36 month
$500
3.90%
▼
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedApr 17, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3 Year IRA
$1,000
3.90%
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3 Year Share Certificate
$1,000
3.90%
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
36 Month IRA Jumbo
$100,000
3.87%
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
UpdatedMay 2, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
36 Month Jumbo
$100,000
3.87%
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
UpdatedMay 2, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
36 MONTH CERTIFICATE
$0
3.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
3-year Certificate
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
36 Months IRA Certificates
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
Business Fixed Rate Certificates 36 Months
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
36 Months Fixed Rate Certificates
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
3-Year Share Certificate
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 18, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
36 MONTH CERTIFICATE
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
36 Month IRA Share Certificate
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
36 Months Share Certificates
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Adjustable 36 Month Term Super Jumbo
$500,000
3.77%
▼
Rate3.70%
Min Deposit$500,000
Min Balance—
UpdatedApr 19, 2026
Details
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
36 Month
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
Petite Share Certificates 36 month
$40,000
3.64%
▼
Rate3.58%
Min Deposit$40,000
Min Balance—
UpdatedApr 17, 2026
Details
Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
36 Month Term Jumbo Certificate
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
IRA Share Certificates 36 month
$1,000
3.60%
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
36 Month IRA
$500
3.60%
▼
Rate3.54%
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
36 Month Share CD
$500
3.60%
▼
Rate3.54%
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
36 Month Term Share Certificate
$500
3.60%
▼
Rate3.54%
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 36-Month Variable
$100,000
3.58%
▼
Rate3.52%
Min Deposit$100,000
Min Balance—
UpdatedApr 18, 2026
Details
$100,000 Minimum to Earn APY
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
3 Year
$100,000
3.55%
▼
Rate3.50%
Min Deposit$100,000
Min Balance—
UpdatedApr 27, 2026
Details
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Individual Retirement Accounts 36 months
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Jumbo College Saver Certificates 36-Month
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Minimum to open & earn dividends: $100,000
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
36 Month
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
36-Month Term Certificate
$750,000
3.55%
▼
Rate3.49%
Min Deposit$750,000
Min Balance—
UpdatedMay 4, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Traditional/Roth IRA Jumbo Certificate 36-Month
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Minimum to open & earn dividends: $100,000
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 36-Month Fixed
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedApr 18, 2026
Details
$100,000 Minimum to Earn APY
PowerNet Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
36 Month Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Early withdrawal penalties may apply.
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Mini-Jumbo College Saver Certificates 36-Month
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Minimum to open & earn dividends: $50,000
Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
36 Month Term Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
36 Month Share Certificates
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
36 Month IRA CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Traditional/Roth IRA Mini-Jumbo Certificate 36-Month
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Minimum to open & earn dividends: $50,000
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
36 Months
$0
3.46%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Adjustable 36 Month Term Jumbo Plus
$250,000
3.46%
▼
Rate3.40%
Min Deposit$250,000
Min Balance—
UpdatedApr 19, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Standard College Saver Certificates 36-Month
$0
3.45%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Minimum to open & earn dividends: $500
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%
48 Month IRA Jumbo
$100,000
3.87%
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
UpdatedMay 2, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
48 Month Jumbo
$100,000
3.87%
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
UpdatedMay 2, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
48-Month Term Certificate
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
48 Months IRA Certificates
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
4-Year Share Certificate
$1,000
3.77%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedApr 18, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
48 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
48-Month Term Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
48 Month IRA CD
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
48 Month Share Certificates
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
Business Fixed Rate Certificates 48 Months
$1,000
3.72%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
48 Months Fixed Rate Certificates
$1,000
3.72%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Traditional/Roth IRA Jumbo Certificate 48-Month
$0
3.65%
▼
Rate3.58%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Minimum to open & earn dividends: $100,000
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
48 MONTH CERTIFICATE
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
48 MONTH IRA CERT
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
48 Month Term Jumbo Certificate
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Jumbo College Saver Certificates 48-Month
$0
3.65%
▼
Rate3.58%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Minimum to open & earn dividends: $100,000
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
48 Month IRA
$500
3.65%
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
48 Month Share CD
$500
3.65%
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
48 Month Term Share Certificate
$500
3.65%
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
48 Month IRA Share Certificate
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
48 Months Share Certificates
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Mini-Jumbo College Saver Certificates 48-Month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Minimum to open & earn dividends: $50,000
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
48 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
48 MONTH IRA CERT
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
48 MONTH CERTIFICATE
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Traditional/Roth IRA Mini-Jumbo Certificate 48-Month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Minimum to open & earn dividends: $50,000
PowerNet Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
48 Month Certificate
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Early withdrawal penalties may apply.
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Standard College Saver Certificates 48-Month
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Minimum to open & earn dividends: $500
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Traditional/Roth IRA Standard 48-Month
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Minimum to open & earn dividends: $1,000
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
48 MONTH CERTIFICATE
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
48-Month Term Certificate
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
48 MONTH IRA CERT
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
48 Month Term Certificate
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
48-Month Term Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 48-Month Fixed
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedApr 18, 2026
Details
$100,000 Minimum to Earn APY
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
Petite Share Certificates 48 month
$40,000
3.50%
▼
Rate3.44%
Min Deposit$40,000
Min Balance—
UpdatedApr 17, 2026
Details
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Individual Retirement Accounts 48 months
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
IRA Share Certificates 48 month
$1,000
3.45%
▼
Rate3.39%
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
48-Month Term Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
48-Month Term Certificate
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
EGLIN
Institution Rating:
A5.0 ★Texas Ratio: 6.79%
Preferred Investment Certificates 48 month
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
TMH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
4-Year Share Certificate
$1,000
3.35%
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
UpdatedApr 18, 2026
Details
My Pensacola Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
48 months Share Certificate
$0
3.30%
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
My Pensacola Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
IRA 48 months (Share Certificate)
$0
3.30%
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
48 Month CD
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
48 Month IRA/HSA CD
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
48 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 2, 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%
3335 13th St, Saint Cloud, FL 34769
60 Month Certificate
$1,000
3.04%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Super Jumbo Max 60 Month Term
$1,000,000
4.18%
▼
Rate4.10%
Min Deposit$1,000,000
Min Balance—
UpdatedApr 19, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5 Year Retirement Share Certificate
$10,000
4.10%
▼
Rate3.93%
Min Deposit$10,000
Min Balance—
UpdatedMay 2, 2026
Details
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Adjustable 60 Month Term Super Jumbo Max
$1,000,000
4.08%
▼
Rate4.00%
Min Deposit$1,000,000
Min Balance—
UpdatedApr 19, 2026
Details
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
60 Month IRA CD
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
60 Month Share Certificates
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
60 Month IRA Jumbo
$100,000
3.92%
▼
Rate3.85%
Min Deposit$100,000
Min Balance—
UpdatedMay 2, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
60 Month Jumbo
$100,000
3.92%
▼
Rate3.85%
Min Deposit$100,000
Min Balance—
UpdatedMay 2, 2026
Details
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Super Jumbo Plus 60 Month Term
$750,000
3.92%
▼
Rate3.85%
Min Deposit$750,000
Min Balance—
UpdatedApr 19, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5 Year IRA
$1,000
3.90%
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5 Year Share Certificate
$1,000
3.90%
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
5-Year Share Certificate
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 18, 2026
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
60 Months IRA Certificates
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Adjustable 60 Month Term Super Jumbo Plus
$750,000
3.82%
▼
Rate3.75%
Min Deposit$750,000
Min Balance—
UpdatedApr 19, 2026
Details
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Jumbo 60 Month Certificates
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Minimum $75,000
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
60-Month Term Certificate
$750,000
3.80%
▼
Rate3.73%
Min Deposit$750,000
Min Balance—
UpdatedMay 4, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
60 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Traditional/Roth IRA Jumbo Certificate 60-Month
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Minimum to open & earn dividends: $100,000
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
60-Month Term Certificate
$250,000
3.70%
▼
Rate3.64%
Min Deposit$250,000
Min Balance—
UpdatedMay 4, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
IRA Certificates 5 Years
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Jumbo College Saver Certificates 60-Month
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Minimum to open & earn dividends: $100,000
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
60 Month IRA
$500
3.70%
▼
Rate3.64%
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
60 Month Share CD
$500
3.70%
▼
Rate3.64%
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
60 Month Term Share Certificate
$500
3.70%
▼
Rate3.64%
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Super Jumbo 60 Month Term
$500,000
3.67%
▼
Rate3.60%
Min Deposit$500,000
Min Balance—
UpdatedApr 19, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
60 Month IRA Share Certificate
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
60 Months Share Certificates
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Traditional/Roth IRA Mini-Jumbo Certificate 60-Month
$0
3.65%
▼
Rate3.58%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Minimum to open & earn dividends: $50,000
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Mini-Jumbo College Saver Certificates 60-Month
$0
3.65%
▼
Rate3.58%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Minimum to open & earn dividends: $50,000
Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
60 Month Term Jumbo Certificate
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Standard College Saver Certificates 60-Month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Minimum to open & earn dividends: $500
PowerNet Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
60 Month Certificate
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Early withdrawal penalties may apply.
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Traditional/Roth IRA Standard 60-Month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Minimum to open & earn dividends: $1,000
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
60 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
Business Fixed Rate Certificates 60 Months
$1,000
3.56%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Adjustable 60 Month Term Super Jumbo
$500,000
3.56%
▼
Rate3.50%
Min Deposit$500,000
Min Balance—
UpdatedApr 19, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
60 Months Fixed Rate Certificates
$1,000
3.56%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Regular 60 Month Certificates
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
60-Month Term Certificate
$100,000
3.55%
▼
Rate3.49%
Min Deposit$100,000
Min Balance—
UpdatedMay 4, 2026
Details
Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
60 Month Term Certificate
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
Jumbo Certificates 60 Months
$0
3.54%
▼
Rate3.48%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
Standard Certificates 60 Months
$0
3.51%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Individual Retirement Accounts 60 months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
5 Years Share Certificates
$0
3.50%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 60-Month Fixed
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedApr 18, 2026
Details
$100,000 Minimum to Earn APY
Keys Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.39%
Share Certificates & IRA Certificates 60 Months
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedApr 17, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
60-Month Term Certificate
$50,000
3.50%
▼
Rate3.44%
Min Deposit$50,000
Min Balance—
UpdatedMay 4, 2026
Details
Powered by
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.
Key Takeaways
What to know about CD rates in Saint Cloud, 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.
- The highest CD APY currently available to Saint Cloud depositors is 3.04% APY from Addition Financial Credit Union. The rate table above ranks every offer we track for this market, 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.
Saint Cloud, FL CD Rate Trends
Compare local Saint Cloud, 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.
12-Month CD — FL Avg
2.113%
▼ 0.290 vs 7 days ago
Florida 12-month CD rates fell 0.290 points over the past 7 days to 2.113% APY.
6-Month CD — FL Avg
1.395%
▼ 0.501 vs 7 days ago
Florida 6-month CD rates fell 0.501 points over the past 7 days to 1.395% APY.
As of May 7, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
FL CD Rate Forecast — Next 12 Months
Where are Florida CD rates headed through 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
2.113%
6-Month Forecast
2.113%
Range: 1.91% – 2.26%
12-Month Forecast
1.863%
Range: 1.66% – 2.01%
Powered by
MonitorBankRates
What Your Savings Earn at FL CD Rates Today
Annual interest earnings at today’s Florida average APYs. State average used where available; national average as fallback.
| CD Term | FL Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.019% | $50.96 | $101.92 | $254.80 | $509.60 |
| 6-Month CD | 1.395% | $69.74 | $139.47 | $348.68 | $697.35 |
| 12-Month CD | 2.113% | $105.65 | $211.29 | $528.23 | $1,056.45 |
| 18-Month CD | 2.465% | $123.24 | $246.48 | $616.20 | $1,232.40 |
| 24-Month CD | 2.535% | $126.73 | $253.45 | $633.63 | $1,267.25 |
| 36-Month CD | 2.485% | $124.23 | $248.45 | $621.13 | $1,242.25 |
| 48-Month CD | 2.704% | $135.18 | $270.35 | $675.88 | $1,351.75 |
| 60-Month CD | 2.585% | $129.27 | $258.53 | $646.33 | $1,292.65 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of May 6, 2026. | |||||
Sample CD Ladder for Saint Cloud, 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 | 1.019% | $50.96 |
| 2 | 6-Month CD | $5,000 | 1.395% | $69.74 |
| 3 | 12-Month CD | $5,000 | 2.113% | $105.65 |
| 4 | 24-Month CD | $5,000 | 2.535% | $126.73 |
| 5 | 36-Month CD | $5,000 | 2.485% | $124.23 |
| Total ($25,000 invested) | $25,000 | 1.909% blended | $477.31/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.
915
CD Rates
Tracked in Saint Cloud, Florida
Tracked in Saint Cloud, Florida
35 Banks
74 Credit Unions
About Our Saint Cloud, Florida CD Rate Database
MonitorBankRates tracks 915 CD rates from 35 banks and 74 credit unions with locations in Saint Cloud, 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: Addition Financial Credit Union offers a CD at 3.04% APY with a minimum deposit of $1,000. Use the rate table above to compare all current offers in Saint Cloud, Florida.
How to Find the Best CD Rates in Saint Cloud, Florida
What to compare when shopping for a CD in Saint Cloud, Florida
To find the best APYs in Saint Cloud, Florida, start with credit unions and online-only banks — Saint Cloud, Florida has 74 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 Saint Cloud, 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 Saint Cloud, Florida — 109 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Saint Cloud, Florida savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Saint Cloud, Florida money market rates
Florida Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024 (state-level data shown — city data not available)
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
$89/yr
At FL 12-mo avg 2.113% 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 2.113%, saving 10% of the local median salary ($4,189/year) and putting it in a CD would earn an additional $89 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 Saint Cloud, 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 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:
- Addition Financial Credit Union: 3.04% APY (60 Month Certificate)
- U S POSTAL SERVICE: 4.25% APY (IRA Certificates 1 Year Starter Add-On)
- Blue Coast Federal Credit Union: 4.20% APY (12 Month CD)
- Community First Credit Union Of Florida: 4.18% APY (Super Jumbo Max 60 Month Term)
- 1st Street Credit Union: 4.16% APY (24 MONTH IRA CERT)
- United Fidelity Bank: 4.15% APY (6-Month CD Term)
- MIAMI FIREFIGHTERS: 4.15% APY (18 Month IRA Share Certificate)
- Tampa Bay Federal Credit Union: 4.15% APY (Share Certificate 18 Month Market Watch)
- Radiant Credit Union: 4.13% APY (Fixed Rate Jumbo Certificates 6 Months)
- Newtek Bank: 4.10% APY (6 Month CD)
Rates reflect recent verified offers available in Saint Cloud, Florida. Last Updated: May 6, 2026
CD Calculators for Saint Cloud, Florida
Saint Cloud, Florida CD Calculator
At today’s FL top rate of 3.04% APY, a $10,000 deposit earns $304 in the first year. Enter your amount to see your exact return.
Saint Cloud, Florida CD LadderFL CD rates currently range from 1.019% (3-month) to 2.485% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Saint Cloud, Florida CD at 3.04% 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 2.113% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for 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: May 6, 2026
Rate Assistant
MonitorBankRates.com · Live Data
Try asking