MonitorBankRates
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Advertiser Disclosure Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.

Sugarloaf Shores, Florida Best CD Rates August 2026

Current Sugarloaf Shores, Florida CD rates include Third Federal Savings and LoanThird Federal Savings and LoanA+5.0 ★Texas Ratio: 1.96%Real return: +1.95%APY minus CPI (February 2026) offering 6 Month Bonus CD at 4.75% APY, Raymond James BankRaymond James BankA+5.0 ★Texas Ratio: 3.67%Real return: +1.75%APY minus CPI (February 2026) offering 48 Months at 4.55% APY, United Fidelity BankUnited Fidelity BankA+5.0 ★Texas Ratio: 0.81%Real return: +1.70%APY minus CPI (February 2026) offering 18-Month CD at 4.50% APY, All In Credit UnionAll In Credit UnionA5.0 ★Texas Ratio: 10.02%Real return: +1.48%APY minus CPI (February 2026) offering 18 Month IRA Jumbo at 4.28% APY, and Crescent BankCrescent BankC4.0 ★Texas Ratio: 27.16%Real return: +1.45%APY minus CPI (February 2026) offering 24-month CD at 4.25% APY. CD rates as of August 28, 2026 according to verified data from MonitorBankRates.

Sugarloaf Shores is a smaller community with no bank or credit union branches currently in our database. 768 institutions serving the Florida area are available to Sugarloaf Shores residents, with CD rates as high as 4.75% APY from Third Federal Savings and Loan. Rates are continually updated — we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: August 28, 2026

Compare Best CD Rates in Sugarloaf Shores, Florida & the Surrounding Area

Sugarloaf Shores 3 Month CD Rates

Florida 3 Month CD Average1.10% APYNational 1.96%▼ 1.21% from last week
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%
3-month online CD
$0
4.00% ▲ 2.90% above Florida avg
Rate3.92%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.10%▲ 2.90% above avgNationally 1.96%
Details

Available for current 3-Month CD clients only

Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
Jumbo Certificates 3 Months
$0
4.00% ▲ 2.90% above Florida avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.10%▲ 2.90% above avgNationally 1.96%
Details

SPECIAL OFFER THRU 9/30/26

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
3 Month IRA Jumbo
$100,000
3.66% ▲ 2.56% above Florida avg
Rate3.60%
Min Deposit$100,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.10%▲ 2.56% above avgNationally 1.96%
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
3 Month IRA
$1,000
3.56% ▲ 2.46% above Florida avg
Rate3.50%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.10%▲ 2.46% above avgNationally 1.96%
Details

ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
3-Month CD
$500
3.55% ▲ 2.45% above Florida avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.10%▲ 2.45% above avgNationally 1.96%
Details

Account matures in 3 months.

Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
3 Month CD
$0
3.50% ▲ 2.40% above Florida avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.10%▲ 2.40% above avgNationally 1.96%
Details

TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
3 Months CD
$0
3.50% ▲ 2.40% above Florida avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.10%▲ 2.40% above avgNationally 1.96%
Details

Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
Share Certificates 3 Month
$0
3.45% ▲ 2.35% above Florida avg
Rate3.40%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.10%▲ 2.35% above avgNationally 1.96%
Details

Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
Jumbo Term Share Certificates 3 Months
$0
3.40% ▲ 2.30% above Florida avg
Rate3.40%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.10%▲ 2.30% above avgNationally 1.96%
Details

Axiom Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.62%
Business 3 Months
$0
3.35% ▲ 2.25% above Florida avg
Rate3.29%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.10%▲ 2.25% above avgNationally 1.96%
Details

SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
3-Month Share Certificate
$1,000
3.26% ▲ 2.16% above Florida avg
Rate3.20%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.10%▲ 2.16% above avgNationally 1.96%
Details

Penalty for early withdrawal: 3 Months Dividends

RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
3-Month Term Certificate
$0
3.25% ▲ 2.15% above Florida avg
Rate3.20%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.10%▲ 2.15% above avgNationally 1.96%
Details

Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
3-Month Emergency Fund Certificate
$100
3.25% ▲ 2.15% above Florida avg
Rate3.20%
Min Deposit$100
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.10%▲ 2.15% above avgNationally 1.96%
Details

First Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
3 Month
$1,000
3.25% ▲ 2.15% above Florida avg
Rate3.20%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.10%▲ 2.15% above avgNationally 1.96%
Details

Panhandle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
90-Day IRA Certificate
$50
3.25% ▲ 2.15% above Florida avg
Rate3.20%
Min Deposit$50
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.10%▲ 2.15% above avgNationally 1.96%
Details

Panhandle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
90-Day Share Certificate
$1,000
3.25% ▲ 2.15% above Florida avg
Rate3.20%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.10%▲ 2.15% above avgNationally 1.96%
Details

RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
3-Month Term Certificate
$0
3.15% ▲ 2.05% above Florida avg
Rate3.10%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.10%▲ 2.05% above avgNationally 1.96%
Details

Okaloosa County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
3 Months
$0
3.14% ▲ 2.04% above Florida avg
Rate3.10%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.10%▲ 2.04% above avgNationally 1.96%
Details

Jax Fire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
3 Month Certificate
$500
3.04% ▲ 1.94% above Florida avg
Rate3.00%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.10%▲ 1.94% above avgNationally 1.96%
Details

RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
3-Month Term Certificate
$0
3.00% ▲ 1.90% above Florida avg
Rate2.96%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.10%▲ 1.90% above avgNationally 1.96%
Details

Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
3 Month
$2,500
3.00% ▲ 1.90% above Florida avg
Rate2.96%
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.10%▲ 1.90% above avgNationally 1.96%
Details

Amerant Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
3 Months
$0
3.00% ▲ 1.90% above Florida avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.10%▲ 1.90% above avgNationally 1.96%
Details

FL

Innovations Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
Compounding IRA Share Certificates 3 months
$0
3.00% ▲ 1.90% above Florida avg
Rate2.96%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.10%▲ 1.90% above avgNationally 1.96%
Details

Innovations Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
3 months
$0
2.96% ▲ 1.86% above Florida avg
Rate2.96%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.10%▲ 1.86% above avgNationally 1.96%
Details

RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
3-Month Term Certificate
$0
2.90% ▲ 1.80% above Florida avg
Rate2.86%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.10%▲ 1.80% above avgNationally 1.96%
Details

Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
90 Days
$2,000
2.85% ▲ 1.75% above Florida avg
Rate2.81%
Min Deposit$2,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.10%▲ 1.75% above avgNationally 1.96%
Details

(purchased through Raymond James brokerage account)

City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
3 months
$0
2.78% ▲ 1.68% above Florida avg
Rate2.75%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.10%▲ 1.68% above avgNationally 1.96%
Details

(90 to 179 days)

Commerce Bank & Trust Winter Park, FL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
90 day CD (Non-IRA)
$500
2.75% ▲ 1.65% above Florida avg
Rate2.71%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.10%▲ 1.65% above avgNationally 1.96%
Details

Penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account. Penalty waived on a one-time withdrawal, up to the full amount of the CD, after the account has been open for 7 calendar days. Additional withdrawals will be assessed a 30 day interest penalty.

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
3 month CD
$0
2.40% ▲ 1.30% above Florida avg
Rate2.37%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.10%▲ 1.30% above avgNationally 1.96%
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
Business 3 month CD
$0
2.40% ▲ 1.30% above Florida avg
Rate2.37%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.10%▲ 1.30% above avgNationally 1.96%
Details

Miami Postal Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
3 Months
$0
2.25% ▲ 1.15% above Florida avg
Rate2.22%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.10%▲ 1.15% above avgNationally 1.96%
Details

Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
3 month
$0
2.10% ▲ 1.00% above Florida avg
Rate2.08%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.10%▲ 1.00% above avgNationally 1.96%
Details

Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
3 Months
$1,000
1.64% ▲ 0.54% above Florida avg
Rate1.63%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.10%▲ 0.54% above avgNationally 1.96%
Details

New money only. Offer available for a limited time. Membership eligibility required. Other terms and restrictions may apply.

Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
3 Month Certificate
$0
1.25% ▲ 0.15% above Florida avg
Rate1.25%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.10%▲ 0.15% above avgNationally 1.96%
Details

Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
3 Month IRA Certificate
$0
1.25% ▲ 0.15% above Florida avg
Rate1.25%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.10%▲ 0.15% above avgNationally 1.96%
Details

Fairwinds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
3-Month CD
$0
1.11% ▲ 0.01% above Florida avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.10%▲ 0.01% above avgNationally 1.96%
Details

Last updated 08/26/2026

Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
3 Month Term Certificate
$0
1.10% At Florida avg
Rate1.09%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.10%At the averageNationally 1.96%
Details

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
3 month
$500
1.02% ▼ 0.08% below Florida avg
Rate1.01%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.10%▼ 0.08% below avgNationally 1.96%
Details

TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
3 Month
$0
1.00% ▼ 0.10% below Florida avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.10%▼ 0.10% below avgNationally 1.96%
Details

TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
3 Month TD Choice CD
$250
1.00% ▼ 0.10% below Florida avg
Rate
Min Deposit$250
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.10%▼ 0.10% below avgNationally 1.96%
Details

Relationship APY

First American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
3 Months
$0
1.00% ▼ 0.10% below Florida avg
Rate0.99%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.10%▼ 0.10% below avgNationally 1.96%
Details

Disclosure

Tampa Bay Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 13.64%
Share Certificate 3 Month
$500
1.00% ▼ 0.10% below Florida avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.10%▼ 0.10% below avgNationally 1.96%
Details

Santa Rosa County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
3 Month Term
$0
0.90% ▼ 0.20% below Florida avg
Rate0.90%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.10%▼ 0.20% below avgNationally 1.96%
Details

Members First Credit Union of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
3 Months
$0
0.90% ▼ 0.20% below Florida avg
Rate0.90%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.10%▼ 0.20% below avgNationally 1.96%
Details

Members First Credit Union of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
Youth 3 Months
$0
0.90% ▼ 0.20% below Florida avg
Rate0.90%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.10%▼ 0.20% below avgNationally 1.96%
Details

Jax Fire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
3 Month Certificate
$500
0.75% ▼ 0.35% below Florida avg
Rate0.75%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.10%▼ 0.35% below avgNationally 1.96%
Details

Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Traditional/Roth IRA Jumbo Certificate 3-Month
$0
0.75% ▼ 0.35% below Florida avg
Rate0.75%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.10%▼ 0.35% below avgNationally 1.96%
Details

Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Traditional/Roth IRA Mini-Jumbo Certificate 3-Month
$0
0.75% ▼ 0.35% below Florida avg
Rate0.75%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.10%▼ 0.35% below avgNationally 1.96%
Details

Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Traditional/Roth IRA Standard 3-Month
$0
0.75% ▼ 0.35% below Florida avg
Rate0.75%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.10%▼ 0.35% below avgNationally 1.96%
Details

Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
3 months
$0
0.60% ▼ 0.50% below Florida avg
Rate0.60%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.10%▼ 0.50% below avgNationally 1.96%
Details

Sugarloaf Shores 6 Month CD Rates

Florida 6 Month CD Average1.65% APYNational 2.67%▼ 1.41% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
6 Month Bonus CD
$500
4.75% ▲ 3.10% above Florida avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.65%▲ 3.10% above avgNationally 2.67%
Details

United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
6-Month CD
$1,000
4.35% ▲ 2.70% above Florida avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.65%▲ 2.70% above avgNationally 2.67%
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
6 month IRA CD
$0
4.10% ▲ 2.45% above Florida avg
Rate4.03%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.65%▲ 2.45% above avgNationally 2.67%
Details

Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
6 Months
$1,000
4.08% ▲ 2.43% above Florida avg
Rate4.00%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.65%▲ 2.43% above avgNationally 2.67%
Details

Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
Business 6 Months
$1,000
4.08% ▲ 2.43% above Florida avg
Rate4.00%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.65%▲ 2.43% above avgNationally 2.67%
Details

Climate First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Standard Certificate of Deposit Accounts 6-Month Penalty-Free CD
$500
4.07% ▲ 2.42% above Florida avg
Rate3.99%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.65%▲ 2.42% above avgNationally 2.67%
Details

No additional deposits allowed. No penalty for early withdrawals. The account matures in 6 months and will automatically renew for the same term unless funds are withdrawn within 10 days after maturity, during which withdrawals may be made without penalty. Withdrawals will reduce earnings.

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
6 Month IRA Jumbo
$100,000
4.07% ▲ 2.42% above Florida avg
Rate4.00%
Min Deposit$100,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.65%▲ 2.42% above avgNationally 2.67%
Details

Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
6 Months
$2,000
4.05% ▲ 2.40% above Florida avg
Rate3.97%
Min Deposit$2,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.65%▲ 2.40% above avgNationally 2.67%
Details

(purchased through Raymond James brokerage account)

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
6 month IRA CD
$0
4.05% ▲ 2.40% above Florida avg
Rate3.98%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.65%▲ 2.40% above avgNationally 2.67%
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
6 Month IRA
$1,000
4.02% ▲ 2.37% above Florida avg
Rate3.95%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.65%▲ 2.37% above avgNationally 2.67%
Details

Total Direct Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
6-month online CD
$0
4.00% ▲ 2.35% above Florida avg
Rate3.92%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.65%▲ 2.35% above avgNationally 2.67%
Details

City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
Special 6-Month Fixed Rate
$0
4.00% ▲ 2.35% above Florida avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.65%▲ 2.35% above avgNationally 2.67%
Details

1

City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
Special 6-Month Fixed Rate CD
$10,000
4.00% ▲ 2.35% above Florida avg
Rate3.93%
Min Deposit$10,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.65%▲ 2.35% above avgNationally 2.67%
Details

New money deposits required. Special 6-Month Fixed Rate will be fixed for a term of 6-months only. The CD will automatically renew at the then-prevailing published 6-month standard rate and APY at the time of renewal and every renewal period thereafter. Offer Eligibility Requirements: Client must request the Special 6-Month Fixed Rate at account opening. Available only on a new City National Bank Personal CD or City National Bank Business CD. New money is defined as incoming deposits from RBC Rochdale, RBC Securities, or from another financial institution (e.g. via ATM, check, wire transfer, ACH or Zelle), deposited to City National Bank deposit accounts owned by the same client opening the CD, within the previous 30 calendar days prior to CD account opening. Incoming deposits can only be used once for the rate offer and cannot subsequently be counted towards the new money of another Special 6-Month Fixed Rate CD. Offer is available to new and existing personal and business clients only. Large Corporate clients and public fund accounts are not eligible for this Special 6-Month Fixed Rate.

Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
6 Months
$0
4.00% ▲ 2.35% above Florida avg
Rate3.96%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.65%▲ 2.35% above avgNationally 2.67%
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
6 month CD
$0
4.00% ▲ 2.35% above Florida avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.65%▲ 2.35% above avgNationally 2.67%
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
6 month IRA CD
$0
4.00% ▲ 2.35% above Florida avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.65%▲ 2.35% above avgNationally 2.67%
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
Business 6 month CD
$0
4.00% ▲ 2.35% above Florida avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.65%▲ 2.35% above avgNationally 2.67%
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
6 month CD
$0
3.95% ▲ 2.30% above Florida avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.65%▲ 2.30% above avgNationally 2.67%
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
Business 6 month CD
$0
3.95% ▲ 2.30% above Florida avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.65%▲ 2.30% above avgNationally 2.67%
Details

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month CD
$0
3.90% ▲ 2.25% above Florida avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.65%▲ 2.25% above avgNationally 2.67%
Details

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Certificate
$1,000
3.90% ▲ 2.25% above Florida avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.65%▲ 2.25% above avgNationally 2.67%
Details

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

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
6 month CD
$0
3.90% ▲ 2.25% above Florida avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.65%▲ 2.25% above avgNationally 2.67%
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
Business 6 month CD
$0
3.90% ▲ 2.25% above Florida avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.65%▲ 2.25% above avgNationally 2.67%
Details

SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
6-Month Share Certificate
$1,000
3.87% ▲ 2.22% above Florida avg
Rate3.80%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.65%▲ 2.22% above avgNationally 2.67%
Details

Penalty for early withdrawal: 3 Months Dividends

Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
6-Month
$5,000
3.87% ▲ 2.22% above Florida avg
Rate3.80%
Min Deposit$5,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.65%▲ 2.22% above avgNationally 2.67%
Details

Rate Fixed/Variable: Fixed; Dividends Compounded Paid: Monthly

MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 2.29%
6 Month IRA Share Certificate
$0
3.85% ▲ 2.20% above Florida avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.65%▲ 2.20% above avgNationally 2.67%
Details

Gulf Coast Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month CD
$0
3.82% ▲ 2.17% above Florida avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.65%▲ 2.17% above avgNationally 2.67%
Details

up to

Florida West Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
6 Month Certificate
$0
3.82% ▲ 2.17% above Florida avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.65%▲ 2.17% above avgNationally 2.67%
Details

Miami Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
6 Months Share Jumbo Certificate
$10,000
3.80% ▲ 2.15% above Florida avg
Rate3.75%
Min Deposit$10,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.65%▲ 2.15% above avgNationally 2.67%
Details

New Shares Certificate opened with at least $5,000 from another source (new money), will receive an additional 0.50% rate above our published rates.

HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
New Money CD 6 months
$1,000
3.80% ▲ 2.15% above Florida avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.65%▲ 2.15% above avgNationally 2.67%
Details

Exclusively for Premier clients. New Money is determined at HSBC's discretion.

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month
$0
3.80% ▲ 2.15% above Florida avg
Rate3.73%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.65%▲ 2.15% above avgNationally 2.67%
Details

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Certificate
$1,000
3.80% ▲ 2.15% above Florida avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.65%▲ 2.15% above avgNationally 2.67%
Details

All rates are Annual Percentage Yields.

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6-Month IRA
$1,000
3.80% ▲ 2.15% above Florida avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.65%▲ 2.15% above avgNationally 2.67%
Details

All rates are Annual Percentage Yields.

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposit 6 Month
$1,000
3.80% ▲ 2.15% above Florida avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.65%▲ 2.15% above avgNationally 2.67%
Details

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

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA - Individual Retirement Accounts 6-Month
$1,000
3.80% ▲ 2.15% above Florida avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.65%▲ 2.15% above avgNationally 2.67%
Details

All rates are Annual Percentage Yields.

Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
6 Months
$1,000
3.76% ▲ 2.11% above Florida avg
Rate3.70%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.65%▲ 2.11% above avgNationally 2.67%
Details

New money only. Offer available for a limited time. Membership eligibility required. Other terms and restrictions may apply.

BankUnited
Institution Rating:
A-5.0 ★Texas Ratio: 15.40%
6-Month CD
$1,000
3.75% ▲ 2.10% above Florida avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.65%▲ 2.10% above avgNationally 2.67%
Details

Promotional Rates

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
6 Month Share Certificate
$1,000
3.75% ▲ 2.10% above Florida avg
Rate3.69%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.65%▲ 2.10% above avgNationally 2.67%
Details

Adventhealth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
6 Months
$500
3.75% ▲ 2.10% above Florida avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.65%▲ 2.10% above avgNationally 2.67%
Details

Adventhealth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
Certificate of Deposit 6 Months
$500
3.75% ▲ 2.10% above Florida avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.65%▲ 2.10% above avgNationally 2.67%
Details

INB National Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
6-MO CD
$1,000
3.71% ▲ 2.06% above Florida avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.65%▲ 2.06% above avgNationally 2.67%
Details

This account will automatically renew at a 6-month term with the standard rates in effect at that time. If you do not withdraw the funds, each renewal term will be 6 months beginning on the maturity date.

RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
6-Month Term Certificate
$0
3.70% ▲ 2.05% above Florida avg
Rate3.64%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.65%▲ 2.05% above avgNationally 2.67%
Details

United Bank (AL)
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
6 Month CD
$0
3.70% ▲ 2.05% above Florida avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.65%▲ 2.05% above avgNationally 2.67%
Details

United Bank (AL)
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
6 Month IRA CD
$0
3.70% ▲ 2.05% above Florida avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.65%▲ 2.05% above avgNationally 2.67%
Details

Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
6 Month Certificate
$1,000
3.70% ▲ 2.05% above Florida avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.65%▲ 2.05% above avgNationally 2.67%
Details

Limited time offer

Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
6 months
$0
3.70% ▲ 2.05% above Florida avg
Rate3.65%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.65%▲ 2.05% above avgNationally 2.67%
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
6 Month Share Certificate
$1,000
3.70% ▲ 2.05% above Florida avg
Rate3.64%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.65%▲ 2.05% above avgNationally 2.67%
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 6 Month
$50,000
3.70% ▲ 2.05% above Florida avg
Rate3.64%
Min Deposit$50,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.65%▲ 2.05% above avgNationally 2.67%
Details

City County Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
6 Months
$0
3.70% ▲ 2.05% above Florida avg
Rate3.70%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.65%▲ 2.05% above avgNationally 2.67%
Details

Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
6 Month Term Certificate
$0
3.70% ▲ 2.05% above Florida avg
Rate3.64%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average1.65%▲ 2.05% above avgNationally 2.67%
Details

Sugarloaf Shores 12 Month CD Rates

Florida 12 Month CD Average2.24% APYNational 2.83%▼ 0.88% from last week
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%
12-Month CD
$1,000
4.40% ▲ 2.16% above Florida avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.24%▲ 2.16% above avgNationally 2.83%
Details

Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
1 Year Rising Rate CD
$500
4.25% ▲ 2.01% above Florida avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.24%▲ 2.01% above avgNationally 2.83%
Details

Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
12 Month Online CD
$500
4.25% ▲ 2.01% above Florida avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.24%▲ 2.01% above avgNationally 2.83%
Details

U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1 Year Starter Add-On
$0
4.25% ▲ 2.01% above Florida avg
Rate4.18%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.24%▲ 2.01% above avgNationally 2.83%
Details

Gulf Coast Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month CD
$0
4.24% ▲ 2.00% above Florida avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.24%▲ 2.00% above avgNationally 2.83%
Details

up to

Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
12 Months
$2,000
4.20% ▲ 1.96% above Florida avg
Rate4.11%
Min Deposit$2,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.24%▲ 1.96% above avgNationally 2.83%
Details

(purchased through Raymond James brokerage account)

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
12 Month IRA Jumbo
$100,000
4.18% ▲ 1.94% above Florida avg
Rate4.10%
Min Deposit$100,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.24%▲ 1.94% above avgNationally 2.83%
Details

CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
12-month CD
$1,000
4.15% ▲ 1.91% above Florida avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.24%▲ 1.91% above avgNationally 2.83%
Details

Featured rate

Climate First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Birthday Special Promotions 12-Month Penalty-Free CD
$500
4.15% ▲ 1.91% above Florida avg
Rate4.07%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.24%▲ 1.91% above avgNationally 2.83%
Details

No additional deposits allowed. No penalty for early withdrawals. The account matures in 12 months and will automatically renew for the same term unless funds are withdrawn within 10 days after maturity, during which withdrawals may be made without penalty. Withdrawals will reduce earnings. This promotional rate offer may be modified, suspended, or terminated by Climate First Bank, in whole or in part, at any time and for any reason without prior notice.

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
12 Month IRA
$1,000
4.13% ▲ 1.89% above Florida avg
Rate4.05%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.24%▲ 1.89% above avgNationally 2.83%
Details

Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
12 Month CD
$0
4.10% ▲ 1.86% above Florida avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.24%▲ 1.86% above avgNationally 2.83%
Details

Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
12 Months
$0
4.10% ▲ 1.86% above Florida avg
Rate4.02%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.24%▲ 1.86% above avgNationally 2.83%
Details

U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1 Year Add-On
$0
4.10% ▲ 1.86% above Florida avg
Rate4.04%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.24%▲ 1.86% above avgNationally 2.83%
Details

U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1 Year Add-On Certificate
$0
4.10% ▲ 1.86% above Florida avg
Rate4.04%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.24%▲ 1.86% above avgNationally 2.83%
Details

Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
Youth Advantage - 12 Month Term Super Jumbo Max CD
$1,000,000
4.08% ▲ 1.84% above Florida avg
Rate4.00%
Min Deposit$1,000,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.24%▲ 1.84% above avgNationally 2.83%
Details

Additional contributions in $50 increments.

Florida West Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
12 Month Certificate
$0
4.08% ▲ 1.84% above Florida avg
Rate4.00%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.24%▲ 1.84% above avgNationally 2.83%
Details

RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
12-Month Term Certificate
$0
4.05% ▲ 1.81% above Florida avg
Rate3.98%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.24%▲ 1.81% above avgNationally 2.83%
Details

Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
12 Month HSA
$1,000
4.03% ▲ 1.79% above Florida avg
Rate3.95%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.24%▲ 1.79% above avgNationally 2.83%
Details

Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
12 Months
$1,000
4.03% ▲ 1.79% above Florida avg
Rate3.95%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.24%▲ 1.79% above avgNationally 2.83%
Details

Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
Business 12 Months
$1,000
4.03% ▲ 1.79% above Florida avg
Rate3.95%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.24%▲ 1.79% above avgNationally 2.83%
Details

Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
1 Year Rising Rate CD
$500
4.00% ▲ 1.76% above Florida avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.24%▲ 1.76% above avgNationally 2.83%
Details

Total Direct Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
12-month online CD
$0
4.00% ▲ 1.76% above Florida avg
Rate3.92%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.24%▲ 1.76% above avgNationally 2.83%
Details

RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
12-Month Term Certificate
$0
4.00% ▲ 1.76% above Florida avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.24%▲ 1.76% above avgNationally 2.83%
Details

MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 2.29%
12 Month IRA Share Certificate
$0
4.00% ▲ 1.76% above Florida avg
Rate3.92%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.24%▲ 1.76% above avgNationally 2.83%
Details

HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
New Money CD 12 months
$1,000
3.95% ▲ 1.71% above Florida avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.24%▲ 1.71% above avgNationally 2.83%
Details

Exclusively for Premier clients. New Money is determined at HSBC's discretion.

RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
12-Month Term Certificate
$0
3.95% ▲ 1.71% above Florida avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.24%▲ 1.71% above avgNationally 2.83%
Details

BankUnited
Institution Rating:
A-5.0 ★Texas Ratio: 15.40%
12-Month CD
$1,000
3.95% ▲ 1.71% above Florida avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.24%▲ 1.71% above avgNationally 2.83%
Details

Advertised rate is fixed for the initial term of the Certificate of Deposit (CD) only. APY assumes interest earned remains on deposit until maturity. Early withdrawal penalty may apply if you withdraw any principal from the CD before the maturity date. Account fees could reduce earnings. Additional terms and conditions apply. Please refer to our Deposit Account Agreement and applicable Schedule of Fees for additional information. Offer cannot be combined with any other promotional rate, bonus rate or special rate offer. BankUnited reserves the right to cancel or modify this offer at any time. Rates are subject to change at any time and are not guaranteed until the CD is open. Please contact a BankUnited representative for additional details. CD will automatically renew at maturity into a standard CD closest in term to the initial term (which may be shorter or longer than the initial term) at the then current standard rate in effect at the time of renewal unless you instruct us otherwise.

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1 Year
$0
3.91% ▲ 1.67% above Florida avg
Rate3.84%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.24%▲ 1.67% above avgNationally 2.83%
Details

RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
12-Month Term Certificate
$0
3.90% ▲ 1.66% above Florida avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.24%▲ 1.66% above avgNationally 2.83%
Details

Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
12-Month Jumbo Promo Certificate
$100,000
3.90% ▲ 1.66% above Florida avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.24%▲ 1.66% above avgNationally 2.83%
Details

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

Adventhealth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
12 Months
$500
3.90% ▲ 1.66% above Florida avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.24%▲ 1.66% above avgNationally 2.83%
Details

Adventhealth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
Certificate of Deposit 12 Months
$500
3.90% ▲ 1.66% above Florida avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.24%▲ 1.66% above avgNationally 2.83%
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 12 Month
$0
3.89% ▲ 1.65% above Florida avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.24%▲ 1.65% above avgNationally 2.83%
Details

SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
1-Year Share Certificate
$1,000
3.87% ▲ 1.63% above Florida avg
Rate3.80%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.24%▲ 1.63% above avgNationally 2.83%
Details

Penalty for early withdrawal: 3 Months Dividends

Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
12-Month
$5,000
3.87% ▲ 1.63% above Florida avg
Rate3.80%
Min Deposit$5,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.24%▲ 1.63% above avgNationally 2.83%
Details

Rate Fixed/Variable: Fixed; Dividends Compounded Paid: Monthly

RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
12-Month Term Certificate
$0
3.85% ▲ 1.61% above Florida avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.24%▲ 1.61% above avgNationally 2.83%
Details

Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
12 month
$0
3.85% ▲ 1.61% above Florida avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.24%▲ 1.61% above avgNationally 2.83%
Details

Velocity Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
MemberPLUS 12 Months
$0
3.85% ▲ 1.61% above Florida avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.24%▲ 1.61% above avgNationally 2.83%
Details

Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
12-Month Certificate
$0
3.85% ▲ 1.61% above Florida avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.24%▲ 1.61% above avgNationally 2.83%
Details

Minimum to open is $1,000.

Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
IRA - 1 Year k
$0
3.85% ▲ 1.61% above Florida avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.24%▲ 1.61% above avgNationally 2.83%
Details

$100; My Rate

Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Traditional/Roth IRA Jumbo Certificate 12-Month
$0
3.85% ▲ 1.61% above Florida avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.24%▲ 1.61% above avgNationally 2.83%
Details

Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Traditional/Roth IRA Mini-Jumbo Certificate 12-Month
$0
3.85% ▲ 1.61% above Florida avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.24%▲ 1.61% above avgNationally 2.83%
Details

Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Traditional/Roth IRA Standard 12-Month
$0
3.85% ▲ 1.61% above Florida avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.24%▲ 1.61% above avgNationally 2.83%
Details

Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
Youth Advantage - 12 Month Term Super Jumbo Plus CD
$750,000
3.82% ▲ 1.58% above Florida avg
Rate3.75%
Min Deposit$750,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.24%▲ 1.58% above avgNationally 2.83%
Details

Additional contributions in $50 increments.

Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
Petite Share Certificates 12 month
$40,000
3.80% ▲ 1.56% above Florida avg
Rate3.73%
Min Deposit$40,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.24%▲ 1.56% above avgNationally 2.83%
Details

Velocity Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
Member 12 Months
$0
3.80% ▲ 1.56% above Florida avg
Rate3.73%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.24%▲ 1.56% above avgNationally 2.83%
Details

Velocity Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
Youth 12 Months
$0
3.80% ▲ 1.56% above Florida avg
Rate3.73%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.24%▲ 1.56% above avgNationally 2.83%
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1 Year Rookie Share Certificate
$0
3.80% ▲ 1.56% above Florida avg
Rate3.74%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.24%▲ 1.56% above avgNationally 2.83%
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
12 Month
$1,000
3.80% ▲ 1.56% above Florida avg
Rate3.74%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.24%▲ 1.56% above avgNationally 2.83%
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 12 Month
$50,000
3.80% ▲ 1.56% above Florida avg
Rate3.74%
Min Deposit$50,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.24%▲ 1.56% above avgNationally 2.83%
Details

Sugarloaf Shores 18 Month CD Rates

Florida 18 Month CD Average2.26% APYNational 2.67%▼ 0.65% from last week
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%
18-Month CD
$1,000
4.50% ▲ 2.24% above Florida avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.26%▲ 2.24% above avgNationally 2.67%
Details

Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
18 Months
$2,000
4.40% ▲ 2.14% above Florida avg
Rate4.31%
Min Deposit$2,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.26%▲ 2.14% above avgNationally 2.67%
Details

(purchased through Raymond James brokerage account)

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
18 Month IRA Jumbo
$100,000
4.28% ▲ 2.02% above Florida avg
Rate4.20%
Min Deposit$100,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.26%▲ 2.02% above avgNationally 2.67%
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
18 Month IRA
$1,000
4.23% ▲ 1.97% above Florida avg
Rate4.15%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.26%▲ 1.97% above avgNationally 2.67%
Details

Tampa Bay Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 13.64%
18 Month Market Watch
$500
4.15% ▲ 1.89% above Florida avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.26%▲ 1.89% above avgNationally 2.67%
Details

The 18-month Market Watch is currently unavailable for new issuances, renewals from other certificate terms, or term changes. The rate shown applies only to Market Watch Certificates originally opened prior to 01/01/2017. This is a variable rate certificate. The rate is adjusted on the first of each month and is calculated by using the 24-month Treasury Bill rate in effect on the 10th day of the previous month plus 0.25% (25 basis points). At maturity, the certificate automatically renews.

Tampa Bay Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 13.64%
Share Certificate 18 Month Market Watch
$500
4.15% ▲ 1.89% above Florida avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.26%▲ 1.89% above avgNationally 2.67%
Details

The 18-month Market Watch is currently unavailable for new issuances, renewals from other certificate terms, or term changes. The rate shown applies only to Market Watch Certificates originally opened prior to 01/01/2017. This is a variable rate certificate. The rate is adjusted on the first of each month and is calculated by using the 24-month Treasury Bill rate in effect on the 10th day of the previous month plus 0.25% (25 basis points). At maturity, the certificate automatically renews.

MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 2.29%
18 Month IRA Share Certificate
$0
4.15% ▲ 1.89% above Florida avg
Rate4.07%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.26%▲ 1.89% above avgNationally 2.67%
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
18 Month Share Certificate
$1,000
4.00% ▲ 1.74% above Florida avg
Rate3.93%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.26%▲ 1.74% above avgNationally 2.67%
Details

Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
18 Month CD
$0
3.95% ▲ 1.69% above Florida avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.26%▲ 1.69% above avgNationally 2.67%
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
18 Month Share Certificate
$1,000
3.95% ▲ 1.69% above Florida avg
Rate3.88%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.26%▲ 1.69% above avgNationally 2.67%
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 18 Month
$50,000
3.95% ▲ 1.69% above Florida avg
Rate3.88%
Min Deposit$50,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.26%▲ 1.69% above avgNationally 2.67%
Details

Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
18 Month CD
$0
3.90% ▲ 1.64% above Florida avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.26%▲ 1.64% above avgNationally 2.67%
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
18 Month
$1,000
3.90% ▲ 1.64% above Florida avg
Rate3.83%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.26%▲ 1.64% above avgNationally 2.67%
Details

M&T Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.17%
18-Month M&T Select CD
$0
3.85% ▲ 1.59% above Florida avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.26%▲ 1.59% above avgNationally 2.67%
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
18 month IRA CD
$0
3.85% ▲ 1.59% above Florida avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.26%▲ 1.59% above avgNationally 2.67%
Details

Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
18 Months
$0
3.77% ▲ 1.51% above Florida avg
Rate3.70%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.26%▲ 1.51% above avgNationally 2.67%
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
18 month CD
$0
3.75% ▲ 1.49% above Florida avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.26%▲ 1.49% above avgNationally 2.67%
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
Business 18 month CD
$0
3.75% ▲ 1.49% above Florida avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.26%▲ 1.49% above avgNationally 2.67%
Details

TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
18 Months CD
$0
3.70% ▲ 1.44% above Florida avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.26%▲ 1.44% above avgNationally 2.67%
Details

Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
Petite Share Certificates 18 month
$40,000
3.70% ▲ 1.44% above Florida avg
Rate3.63%
Min Deposit$40,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.26%▲ 1.44% above avgNationally 2.67%
Details

First Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
18 Month
$1,000
3.65% ▲ 1.39% above Florida avg
Rate3.59%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.26%▲ 1.39% above avgNationally 2.67%
Details

1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
18 MONTH CERTIFICATE
$150,000
3.65% ▲ 1.39% above Florida avg
Rate
Min Deposit$150,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.26%▲ 1.39% above avgNationally 2.67%
Details

1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
18 MONTH IRA CERT
$150,000
3.65% ▲ 1.39% above Florida avg
Rate
Min Deposit$150,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.26%▲ 1.39% above avgNationally 2.67%
Details

Innovations Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
Compounding IRA Share Certificates 18 months
$0
3.65% ▲ 1.39% above Florida avg
Rate3.59%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.26%▲ 1.39% above avgNationally 2.67%
Details

Innovations Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
18 months
$0
3.59% ▲ 1.33% above Florida avg
Rate3.59%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.26%▲ 1.33% above avgNationally 2.67%
Details

1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
18 MONTH CERTIFICATE
$75,000
3.55% ▲ 1.29% above Florida avg
Rate
Min Deposit$75,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.26%▲ 1.29% above avgNationally 2.67%
Details

1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
18 MONTH IRA CERT
$75,000
3.55% ▲ 1.29% above Florida avg
Rate
Min Deposit$75,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.26%▲ 1.29% above avgNationally 2.67%
Details

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
18 Months
$0
3.51% ▲ 1.25% above Florida avg
Rate3.45%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.26%▲ 1.25% above avgNationally 2.67%
Details

EGLIN
Institution Rating:
A5.0 ★Texas Ratio: 0.94%
18 month Preferred Investment Certificate
$2,500
3.51% ▲ 1.25% above Florida avg
Rate3.45%
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.26%▲ 1.25% above avgNationally 2.67%
Details

Rates listed are current from 08/21/2026 - 08/27/2026. There is a penalty for early withdrawal.

Okaloosa County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
18 Months
$0
3.50% ▲ 1.24% above Florida avg
Rate3.45%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.26%▲ 1.24% above avgNationally 2.67%
Details

1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
18 MONTH CERTIFICATE
$1,000
3.50% ▲ 1.24% above Florida avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.26%▲ 1.24% above avgNationally 2.67%
Details

1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
18 MONTH IRA CERT
$1,000
3.50% ▲ 1.24% above Florida avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.26%▲ 1.24% above avgNationally 2.67%
Details

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
18 Months
$0
3.46% ▲ 1.20% above Florida avg
Rate3.40%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.26%▲ 1.20% above avgNationally 2.67%
Details

Velocity Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
MemberPLUS 18 Months
$0
3.45% ▲ 1.19% above Florida avg
Rate3.39%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.26%▲ 1.19% above avgNationally 2.67%
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
18-month term
$0
3.45% ▲ 1.19% above Florida avg
Rate3.40%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.26%▲ 1.19% above avgNationally 2.67%
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
18-month term CD Specials
$0
3.45% ▲ 1.19% above Florida avg
Rate3.40%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.26%▲ 1.19% above avgNationally 2.67%
Details

Rewards APY 3.45% Regular APY 3.45% Dividend Rate 3.40%

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
18-month term CD Specials Rewards
$0
3.45% ▲ 1.19% above Florida avg
Rate3.40%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.26%▲ 1.19% above avgNationally 2.67%
Details

Regular APY 3.45% Dividend Rate 3.40%

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
18-month term IRA CD Specials
$0
3.45% ▲ 1.19% above Florida avg
Rate3.45%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.26%▲ 1.19% above avgNationally 2.67%
Details

Rewards APY 3.45% Regular APY 3.30% Dividend Rate 3.25%

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
18-month term IRA CD Specials Rewards
$0
3.45% ▲ 1.19% above Florida avg
Rate3.45%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.26%▲ 1.19% above avgNationally 2.67%
Details

Regular APY 3.30% Dividend Rate 3.25%

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
IRA CD Specials - 18-month term
$0
3.45% ▲ 1.19% above Florida avg
Rate3.45%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.26%▲ 1.19% above avgNationally 2.67%
Details

Velocity Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
Member 18 Months
$0
3.40% ▲ 1.14% above Florida avg
Rate3.34%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.26%▲ 1.14% above avgNationally 2.67%
Details

LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
18 Month IRA/HSA CD
$0
3.40% ▲ 1.14% above Florida avg
Rate3.35%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.26%▲ 1.14% above avgNationally 2.67%
Details

VIP Bonus Rate: 3.590%, VIP Bonus APY: 3.65%

Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
18 Month IRA
$500
3.40% ▲ 1.14% above Florida avg
Rate3.35%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.26%▲ 1.14% above avgNationally 2.67%
Details

Axiom Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.62%
Business 18 Months
$0
3.35% ▲ 1.09% above Florida avg
Rate3.29%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.26%▲ 1.09% above avgNationally 2.67%
Details

Metro North Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
18 months
$500
3.35% ▲ 1.09% above Florida avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.26%▲ 1.09% above avgNationally 2.67%
Details

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
18 month
$500
3.31% ▲ 1.05% above Florida avg
Rate3.27%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.26%▲ 1.05% above avgNationally 2.67%
Details

Trax Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
18-Month Share Certificate
$0
3.30% ▲ 1.04% above Florida avg
Rate3.25%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.26%▲ 1.04% above avgNationally 2.67%
Details

Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
18 month CD & IRA CD
$1,000
3.30% ▲ 1.04% above Florida avg
Rate3.26%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.26%▲ 1.04% above avgNationally 2.67%
Details

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
18 Month Certificate
$0
3.30% ▲ 1.04% above Florida avg
Rate3.25%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.26%▲ 1.04% above avgNationally 2.67%
Details

Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
Share Certificates 18 Month
$0
3.30% ▲ 1.04% above Florida avg
Rate3.25%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.26%▲ 1.04% above avgNationally 2.67%
Details

Sugarloaf Shores 24 Month CD Rates

Florida 24 Month CD Average2.65% APYNational 2.71%▼ 0.38% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
24 Months
$2,000
4.35% ▲ 1.70% above Florida avg
Rate4.26%
Min Deposit$2,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.65%▲ 1.70% above avgNationally 2.71%
Details

(purchased through Raymond James brokerage account)

Crescent Bank
Institution Rating:
C4.0 ★Texas Ratio: 27.16%
24-month CD
$1,000
4.25% ▲ 1.60% above Florida avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.65%▲ 1.60% above avgNationally 2.71%
Details

United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
24-Month CD
$1,000
4.20% ▲ 1.55% above Florida avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.65%▲ 1.55% above avgNationally 2.71%
Details

1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
24 MONTH CERTIFICATE
$150,000
4.16% ▲ 1.51% above Florida avg
Rate
Min Deposit$150,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.65%▲ 1.51% above avgNationally 2.71%
Details

1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
24 MONTH IRA CERT
$150,000
4.16% ▲ 1.51% above Florida avg
Rate
Min Deposit$150,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.65%▲ 1.51% above avgNationally 2.71%
Details

1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
24 MONTH CERTIFICATE
$75,000
4.11% ▲ 1.46% above Florida avg
Rate
Min Deposit$75,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.65%▲ 1.46% above avgNationally 2.71%
Details

1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
24 MONTH IRA CERT
$75,000
4.11% ▲ 1.46% above Florida avg
Rate
Min Deposit$75,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.65%▲ 1.46% above avgNationally 2.71%
Details

Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
24-Month Jumbo Promo Certificate
$100,000
4.10% ▲ 1.45% above Florida avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.65%▲ 1.45% above avgNationally 2.71%
Details

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

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year
$0
4.10% ▲ 1.45% above Florida avg
Rate4.03%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.65%▲ 1.45% above avgNationally 2.71%
Details

1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
24 MONTH CERTIFICATE
$1,000
4.06% ▲ 1.41% above Florida avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.65%▲ 1.41% above avgNationally 2.71%
Details

1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
24 MONTH IRA CERT
$1,000
4.06% ▲ 1.41% above Florida avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.65%▲ 1.41% above avgNationally 2.71%
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year
$0
4.05% ▲ 1.40% above Florida avg
Rate3.98%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.65%▲ 1.40% above avgNationally 2.71%
Details

Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
24 Months
$1,000
4.00% ▲ 1.35% above Florida avg
Rate3.94%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.65%▲ 1.35% above avgNationally 2.71%
Details

Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
Business 24 months
$1,000
4.00% ▲ 1.35% above Florida avg
Rate3.94%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.65%▲ 1.35% above avgNationally 2.71%
Details

Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
Regular Certificate of Deposit (CD) 24 months
$1,000
4.00% ▲ 1.35% above Florida avg
Rate3.94%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.65%▲ 1.35% above avgNationally 2.71%
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year
$0
4.00% ▲ 1.35% above Florida avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.65%▲ 1.35% above avgNationally 2.71%
Details

Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
24-Month Jumbo Promo Certificate
$100
3.95% ▲ 1.30% above Florida avg
Rate
Min Deposit$100
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.65%▲ 1.30% above avgNationally 2.71%
Details

Promotional certificate. Minimum balance to open regular share certificate and obtain APY is $100.

Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
24 Month HSA
$1,000
3.93% ▲ 1.28% above Florida avg
Rate3.85%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.65%▲ 1.28% above avgNationally 2.71%
Details

Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
24 Months
$1,000
3.93% ▲ 1.28% above Florida avg
Rate3.85%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.65%▲ 1.28% above avgNationally 2.71%
Details

Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
Business 24 Months
$1,000
3.93% ▲ 1.28% above Florida avg
Rate3.85%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.65%▲ 1.28% above avgNationally 2.71%
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 24 Month
$0
3.90% ▲ 1.25% above Florida avg
Rate3.84%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.65%▲ 1.25% above avgNationally 2.71%
Details

MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 2.29%
24 Month IRA Share Certificate
$0
3.90% ▲ 1.25% above Florida avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.65%▲ 1.25% above avgNationally 2.71%
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
24 Month IRA Jumbo
$100,000
3.87% ▲ 1.22% above Florida avg
Rate3.80%
Min Deposit$100,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.65%▲ 1.22% above avgNationally 2.71%
Details

RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
24-Month Term Certificate
$0
3.85% ▲ 1.20% above Florida avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.65%▲ 1.20% above avgNationally 2.71%
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
24 month IRA CD
$0
3.85% ▲ 1.20% above Florida avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.65%▲ 1.20% above avgNationally 2.71%
Details

Florida West Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
24 Month Certificate
$0
3.82% ▲ 1.17% above Florida avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.65%▲ 1.17% above avgNationally 2.71%
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
24 Month IRA
$1,000
3.82% ▲ 1.17% above Florida avg
Rate3.75%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.65%▲ 1.17% above avgNationally 2.71%
Details

RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
24-Month Term Certificate
$0
3.80% ▲ 1.15% above Florida avg
Rate3.73%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.65%▲ 1.15% above avgNationally 2.71%
Details

Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
24 Month CD
$0
3.80% ▲ 1.15% above Florida avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.65%▲ 1.15% above avgNationally 2.71%
Details

Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
24 months
$0
3.80% ▲ 1.15% above Florida avg
Rate3.73%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.65%▲ 1.15% above avgNationally 2.71%
Details

First Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
24 Month
$1,000
3.80% ▲ 1.15% above Florida avg
Rate3.74%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.65%▲ 1.15% above avgNationally 2.71%
Details

First Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
24 Month Sand Dollar
$300
3.80% ▲ 1.15% above Florida avg
Rate3.74%
Min Deposit$300
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.65%▲ 1.15% above avgNationally 2.71%
Details

Call

Adventhealth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
24 Months
$500
3.80% ▲ 1.15% above Florida avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.65%▲ 1.15% above avgNationally 2.71%
Details

Adventhealth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
Certificate of Deposit 24 Months
$500
3.80% ▲ 1.15% above Florida avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.65%▲ 1.15% above avgNationally 2.71%
Details

Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
24 Months
$0
3.77% ▲ 1.12% above Florida avg
Rate3.70%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.65%▲ 1.12% above avgNationally 2.71%
Details

SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
2-Year Share Certificate
$1,000
3.77% ▲ 1.12% above Florida avg
Rate3.70%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.65%▲ 1.12% above avgNationally 2.71%
Details

Penalty for early withdrawal: 6 Months Dividends

Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
24 Month HSA
$1,000
3.76% ▲ 1.11% above Florida avg
Rate3.69%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.65%▲ 1.11% above avgNationally 2.71%
Details

Total Direct Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
24-month online CD
$0
3.75% ▲ 1.10% above Florida avg
Rate3.68%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.65%▲ 1.10% above avgNationally 2.71%
Details

Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
24 Month CD
$0
3.75% ▲ 1.10% above Florida avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.65%▲ 1.10% above avgNationally 2.71%
Details

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month
$0
3.75% ▲ 1.10% above Florida avg
Rate3.68%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.65%▲ 1.10% above avgNationally 2.71%
Details

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month Certificate
$1,000
3.75% ▲ 1.10% above Florida avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.65%▲ 1.10% above avgNationally 2.71%
Details

All rates are Annual Percentage Yields.

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24-Month IRA
$1,000
3.75% ▲ 1.10% above Florida avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.65%▲ 1.10% above avgNationally 2.71%
Details

All rates are Annual Percentage Yields.

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposit 24 Month
$1,000
3.75% ▲ 1.10% above Florida avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.65%▲ 1.10% above avgNationally 2.71%
Details

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

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA - Individual Retirement Accounts 24-Month
$1,000
3.75% ▲ 1.10% above Florida avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.65%▲ 1.10% above avgNationally 2.71%
Details

All rates are Annual Percentage Yields.

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
24 Month
$0
3.75% ▲ 1.10% above Florida avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.65%▲ 1.10% above avgNationally 2.71%
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
24 month CD
$0
3.75% ▲ 1.10% above Florida avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.65%▲ 1.10% above avgNationally 2.71%
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
Business 24 month CD
$0
3.75% ▲ 1.10% above Florida avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.65%▲ 1.10% above avgNationally 2.71%
Details

Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
24 Month Term Certificate
$0
3.75% ▲ 1.10% above Florida avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.65%▲ 1.10% above avgNationally 2.71%
Details

Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
Petite Share Certificates 24 month
$40,000
3.70% ▲ 1.05% above Florida avg
Rate3.63%
Min Deposit$40,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.65%▲ 1.05% above avgNationally 2.71%
Details

Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Traditional/Roth IRA Jumbo Certificate 24-Month
$0
3.70% ▲ 1.05% above Florida avg
Rate3.63%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.65%▲ 1.05% above avgNationally 2.71%
Details

Sugarloaf Shores 36 Month CD Rates

Florida 36 Month CD Average2.89% APYNational 2.66%▼ 0.11% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
36 Months
$2,000
4.45% ▲ 1.56% above Florida avg
Rate4.35%
Min Deposit$2,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 1.56% above avgNationally 2.66%
Details

(purchased through Raymond James brokerage account)

Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
36 Month Bonus CD
$500
4.25% ▲ 1.36% above Florida avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 1.36% above avgNationally 2.66%
Details

United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
36-Month CD
$1,000
4.20% ▲ 1.31% above Florida avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 1.31% above avgNationally 2.66%
Details

Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
Adjustable 36 Month Term Super Jumbo Max CD
$1,000,000
4.18% ▲ 1.29% above Florida avg
Rate4.10%
Min Deposit$1,000,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 1.29% above avgNationally 2.66%
Details

You may change the dividend rate (and corresponding APY) one time on a 36 or 60 month adjustable rate certificate. This change is a one-time option during the 36 or 60 month term of the certificate. You will have to make the decision to adjust the dividend rate to the current published 36 or 60 month adjustable certificate dividend rates. If you adjust the dividend rate, this new dividend rate would be fixed for the remainder of the 36 or 60 month certificate term.

U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
3 Years Add-On Certificate
$0
4.15% ▲ 1.26% above Florida avg
Rate4.09%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 1.26% above avgNationally 2.66%
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year
$0
4.10% ▲ 1.21% above Florida avg
Rate4.03%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 1.21% above avgNationally 2.66%
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year
$0
4.05% ▲ 1.16% above Florida avg
Rate3.98%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 1.16% above avgNationally 2.66%
Details

Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
3 Year Rising Rate CD
$500
4.00% ▲ 1.11% above Florida avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 1.11% above avgNationally 2.66%
Details

Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
36 Months
$1,000
4.00% ▲ 1.11% above Florida avg
Rate3.94%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 1.11% above avgNationally 2.66%
Details

Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
Business 36 months
$1,000
4.00% ▲ 1.11% above Florida avg
Rate3.94%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 1.11% above avgNationally 2.66%
Details

Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
Regular Certificate of Deposit (CD) 36 months
$1,000
4.00% ▲ 1.11% above Florida avg
Rate3.94%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 1.11% above avgNationally 2.66%
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year
$0
4.00% ▲ 1.11% above Florida avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 1.11% above avgNationally 2.66%
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year Share Certificate
$1,000
4.00% ▲ 1.11% above Florida avg
Rate3.93%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 1.11% above avgNationally 2.66%
Details

Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
Adjustable 36 Month Term Super Jumbo Plus CD
$750,000
3.98% ▲ 1.09% above Florida avg
Rate3.90%
Min Deposit$750,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 1.09% above avgNationally 2.66%
Details

You may change the dividend rate (and corresponding APY) one time on a 36 or 60 month adjustable rate certificate. This change is a one-time option during the 36 or 60 month term of the certificate. You will have to make the decision to adjust the dividend rate to the current published 36 or 60 month adjustable certificate dividend rates. If you adjust the dividend rate, this new dividend rate would be fixed for the remainder of the 36 or 60 month certificate term.

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year Share Certificate
$1,000
3.95% ▲ 1.06% above Florida avg
Rate3.88%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 1.06% above avgNationally 2.66%
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 3 Year
$50,000
3.95% ▲ 1.06% above Florida avg
Rate3.88%
Min Deposit$50,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 1.06% above avgNationally 2.66%
Details

1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
36 MONTH CERTIFICATE
$150,000
3.91% ▲ 1.02% above Florida avg
Rate
Min Deposit$150,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 1.02% above avgNationally 2.66%
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year
$1,000
3.90% ▲ 1.01% above Florida avg
Rate3.83%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 1.01% above avgNationally 2.66%
Details

First Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
36 Month
$1,000
3.90% ▲ 1.01% above Florida avg
Rate3.83%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 1.01% above avgNationally 2.66%
Details

Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
36 Month Term Jumbo Certificate
$0
3.90% ▲ 1.01% above Florida avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 1.01% above avgNationally 2.66%
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
36 Month IRA Jumbo
$100,000
3.87% ▲ 0.98% above Florida avg
Rate3.80%
Min Deposit$100,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 0.98% above avgNationally 2.66%
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 36 Month
$0
3.86% ▲ 0.97% above Florida avg
Rate3.80%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 0.97% above avgNationally 2.66%
Details

1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
36 MONTH CERTIFICATE
$75,000
3.85% ▲ 0.96% above Florida avg
Rate
Min Deposit$75,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 0.96% above avgNationally 2.66%
Details

Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
36 Months
$0
3.82% ▲ 0.93% above Florida avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 0.93% above avgNationally 2.66%
Details

SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
3-Year Share Certificate
$1,000
3.82% ▲ 0.93% above Florida avg
Rate3.75%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 0.93% above avgNationally 2.66%
Details

Penalty for early withdrawal: 9 Months Dividends

Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
36 Months
$1,000
3.82% ▲ 0.93% above Florida avg
Rate3.75%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 0.93% above avgNationally 2.66%
Details

Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
Business 36 Months
$1,000
3.82% ▲ 0.93% above Florida avg
Rate3.75%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 0.93% above avgNationally 2.66%
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
36 Month IRA
$1,000
3.82% ▲ 0.93% above Florida avg
Rate3.75%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 0.93% above avgNationally 2.66%
Details

Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
36 Month CD
$0
3.80% ▲ 0.91% above Florida avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 0.91% above avgNationally 2.66%
Details

1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
36 MONTH CERTIFICATE
$1,000
3.80% ▲ 0.91% above Florida avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 0.91% above avgNationally 2.66%
Details

Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
36 Month Term Certificate
$0
3.80% ▲ 0.91% above Florida avg
Rate3.73%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 0.91% above avgNationally 2.66%
Details

Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
Jumbo Term Share Certificates 3 Years
$0
3.80% ▲ 0.91% above Florida avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 0.91% above avgNationally 2.66%
Details

MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 2.29%
36 Month IRA Share Certificate
$0
3.80% ▲ 0.91% above Florida avg
Rate3.73%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 0.91% above avgNationally 2.66%
Details

Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
Adjustable 36 Month Term Super Jumbo CD
$500,000
3.77% ▲ 0.88% above Florida avg
Rate3.70%
Min Deposit$500,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 0.88% above avgNationally 2.66%
Details

You may change the dividend rate (and corresponding APY) one time on a 36 or 60 month adjustable rate certificate. This change is a one-time option during the 36 or 60 month term of the certificate. You will have to make the decision to adjust the dividend rate to the current published 36 or 60 month adjustable certificate dividend rates. If you adjust the dividend rate, this new dividend rate would be fixed for the remainder of the 36 or 60 month certificate term.

Total Direct Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
36-month online CD
$0
3.76% ▲ 0.87% above Florida avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 0.87% above avgNationally 2.66%
Details

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month
$0
3.75% ▲ 0.86% above Florida avg
Rate3.68%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 0.86% above avgNationally 2.66%
Details

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month Certificate
$1,000
3.75% ▲ 0.86% above Florida avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 0.86% above avgNationally 2.66%
Details

All rates are Annual Percentage Yields.

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36-Month IRA
$1,000
3.75% ▲ 0.86% above Florida avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 0.86% above avgNationally 2.66%
Details

All rates are Annual Percentage Yields.

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposit 36 Month
$1,000
3.75% ▲ 0.86% above Florida avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 0.86% above avgNationally 2.66%
Details

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

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA - Individual Retirement Accounts 36-Month
$1,000
3.75% ▲ 0.86% above Florida avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 0.86% above avgNationally 2.66%
Details

All rates are Annual Percentage Yields.

Adventhealth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
36 Months
$500
3.75% ▲ 0.86% above Florida avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 0.86% above avgNationally 2.66%
Details

Adventhealth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
Certificate of Deposit 36 Months
$500
3.75% ▲ 0.86% above Florida avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 0.86% above avgNationally 2.66%
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
36 Month
$0
3.71% ▲ 0.82% above Florida avg
Rate3.65%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 0.82% above avgNationally 2.66%
Details

Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
3 years
$0
3.70% ▲ 0.81% above Florida avg
Rate3.65%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 0.81% above avgNationally 2.66%
Details

Commerce Bank & Trust Winter Park, FL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 month CD
$500
3.66% ▲ 0.77% above Florida avg
Rate3.59%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 0.77% above avgNationally 2.66%
Details

Penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account. Penalty waived on a one-time withdrawal, up to the full amount of the CD, after the account has been open for 7 calendar days. Additional withdrawals will be assessed a 30 day interest penalty.

San Antonio Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
IRA CERTIFICATE - 36 MONTH
$0
3.65% ▲ 0.76% above Florida avg
Rate3.59%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 0.76% above avgNationally 2.66%
Details

San Antonio Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
SHARE CERTIFICATE - 36 MONTH
$0
3.65% ▲ 0.76% above Florida avg
Rate3.59%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 0.76% above avgNationally 2.66%
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
36 month IRA CD
$0
3.65% ▲ 0.76% above Florida avg
Rate3.59%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 0.76% above avgNationally 2.66%
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
36 month IRA CD "Bump Up" Special
$0
3.65% ▲ 0.76% above Florida avg
Rate3.59%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 0.76% above avgNationally 2.66%
Details

EGLIN
Institution Rating:
A5.0 ★Texas Ratio: 0.94%
36 month Preferred Investment Certificate
$2,500
3.61% ▲ 0.72% above Florida avg
Rate3.55%
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 0.72% above avgNationally 2.66%
Details

Rates listed are current from 08/21/2026 - 08/27/2026. There is a penalty for early withdrawal.

Sugarloaf Shores 48 Month CD Rates

Florida 48 Month CD Average3.22% APYNational 2.65%▲ 0.23% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
48 Months
$2,000
4.55% ▲ 1.33% above Florida avg
Rate4.45%
Min Deposit$2,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average3.22%▲ 1.33% above avgNationally 2.65%
Details

(purchased through Raymond James brokerage account)

United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
48-Month CD
$1,000
4.20% ▲ 0.98% above Florida avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average3.22%▲ 0.98% above avgNationally 2.65%
Details

Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
48 Month Term Jumbo Certificate
$0
3.95% ▲ 0.73% above Florida avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average3.22%▲ 0.73% above avgNationally 2.65%
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
48 Month IRA Jumbo
$100,000
3.92% ▲ 0.70% above Florida avg
Rate3.85%
Min Deposit$100,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average3.22%▲ 0.70% above avgNationally 2.65%
Details

Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
Jumbo Term Share Certificates 4 Years
$0
3.90% ▲ 0.68% above Florida avg
Rate3.84%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average3.22%▲ 0.68% above avgNationally 2.65%
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
48 Month IRA
$1,000
3.87% ▲ 0.65% above Florida avg
Rate3.80%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average3.22%▲ 0.65% above avgNationally 2.65%
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 48 Month
$0
3.86% ▲ 0.64% above Florida avg
Rate3.80%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average3.22%▲ 0.64% above avgNationally 2.65%
Details

RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
48-Month Term Certificate
$0
3.85% ▲ 0.63% above Florida avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average3.22%▲ 0.63% above avgNationally 2.65%
Details

Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
48 Month Term Certificate
$0
3.85% ▲ 0.63% above Florida avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average3.22%▲ 0.63% above avgNationally 2.65%
Details

Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
48 Months
$0
3.82% ▲ 0.60% above Florida avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average3.22%▲ 0.60% above avgNationally 2.65%
Details

SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
4-Year Share Certificate
$1,000
3.77% ▲ 0.55% above Florida avg
Rate3.70%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average3.22%▲ 0.55% above avgNationally 2.65%
Details

Penalty for early withdrawal: 9 Months Dividends

RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
48-Month Term Certificate
$0
3.75% ▲ 0.53% above Florida avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average3.22%▲ 0.53% above avgNationally 2.65%
Details

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month
$0
3.75% ▲ 0.53% above Florida avg
Rate3.68%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average3.22%▲ 0.53% above avgNationally 2.65%
Details

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month Certificate
$1,000
3.75% ▲ 0.53% above Florida avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average3.22%▲ 0.53% above avgNationally 2.65%
Details

All rates are Annual Percentage Yields.

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48-Month IRA
$1,000
3.75% ▲ 0.53% above Florida avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average3.22%▲ 0.53% above avgNationally 2.65%
Details

All rates are Annual Percentage Yields.

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposit 48 Month
$1,000
3.75% ▲ 0.53% above Florida avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average3.22%▲ 0.53% above avgNationally 2.65%
Details

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

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA - Individual Retirement Accounts 48-Month
$1,000
3.75% ▲ 0.53% above Florida avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average3.22%▲ 0.53% above avgNationally 2.65%
Details

All rates are Annual Percentage Yields.

Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
48 Month IRA CD min
$0
3.75% ▲ 0.53% above Florida avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average3.22%▲ 0.53% above avgNationally 2.65%
Details

$20,000; Rates are indications only, and are subject to change with market conditions. Please contact a Member Service Representative for current rates. The stated rate and effective annual rate are the same.

Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
48 Month min.
$0
3.75% ▲ 0.53% above Florida avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average3.22%▲ 0.53% above avgNationally 2.65%
Details

$10,000; Rates are indications only, and are subject to change with market conditions. Please contact a Member Service Representative for current rates. The stated rate and effective annual rate are the same.

San Antonio Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
IRA CERTIFICATE - 48 MONTH
$0
3.75% ▲ 0.53% above Florida avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average3.22%▲ 0.53% above avgNationally 2.65%
Details

San Antonio Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
SHARE CERTIFICATE - 48 MONTH
$0
3.75% ▲ 0.53% above Florida avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average3.22%▲ 0.53% above avgNationally 2.65%
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
48 month IRA CD
$0
3.75% ▲ 0.53% above Florida avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average3.22%▲ 0.53% above avgNationally 2.65%
Details

Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
48 Months
$1,000
3.72% ▲ 0.50% above Florida avg
Rate3.65%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average3.22%▲ 0.50% above avgNationally 2.65%
Details

Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
Business 48 Months
$1,000
3.72% ▲ 0.50% above Florida avg
Rate3.65%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average3.22%▲ 0.50% above avgNationally 2.65%
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
48 Month
$0
3.71% ▲ 0.49% above Florida avg
Rate3.65%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average3.22%▲ 0.49% above avgNationally 2.65%
Details

Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
4 years
$0
3.70% ▲ 0.48% above Florida avg
Rate3.65%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average3.22%▲ 0.48% above avgNationally 2.65%
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
48 month IRA CD
$0
3.70% ▲ 0.48% above Florida avg
Rate3.64%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average3.22%▲ 0.48% above avgNationally 2.65%
Details

Commerce Bank & Trust Winter Park, FL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 month CD
$500
3.66% ▲ 0.44% above Florida avg
Rate3.59%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average3.22%▲ 0.44% above avgNationally 2.65%
Details

Penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account. Penalty waived on a one-time withdrawal, up to the full amount of the CD, after the account has been open for 7 calendar days. Additional withdrawals will be assessed a 30 day interest penalty.

EGLIN
Institution Rating:
A5.0 ★Texas Ratio: 0.94%
48 month Preferred Investment Certificate
$2,500
3.66% ▲ 0.44% above Florida avg
Rate3.60%
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average3.22%▲ 0.44% above avgNationally 2.65%
Details

Rates listed are current from 08/21/2026 - 08/27/2026. There is a penalty for early withdrawal.

Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Traditional/Roth IRA Jumbo Certificate 48-Month
$0
3.65% ▲ 0.43% above Florida avg
Rate3.58%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average3.22%▲ 0.43% above avgNationally 2.65%
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
48 month CD
$0
3.65% ▲ 0.43% above Florida avg
Rate3.59%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average3.22%▲ 0.43% above avgNationally 2.65%
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
48 month IRA CD
$0
3.65% ▲ 0.43% above Florida avg
Rate3.59%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average3.22%▲ 0.43% above avgNationally 2.65%
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
Business 48 month CD
$0
3.65% ▲ 0.43% above Florida avg
Rate3.59%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average3.22%▲ 0.43% above avgNationally 2.65%
Details

First Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
48 Month
$1,000
3.65% ▲ 0.43% above Florida avg
Rate3.59%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average3.22%▲ 0.43% above avgNationally 2.65%
Details

LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
48 Month IRA/HSA CD
$0
3.65% ▲ 0.43% above Florida avg
Rate3.59%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average3.22%▲ 0.43% above avgNationally 2.65%
Details

VIP Bonus Rate: 3.832%, VIP Bonus APY: 3.90%

1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
48 MONTH CERTIFICATE
$150,000
3.65% ▲ 0.43% above Florida avg
Rate
Min Deposit$150,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average3.22%▲ 0.43% above avgNationally 2.65%
Details

1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
48 MONTH IRA CERT
$150,000
3.65% ▲ 0.43% above Florida avg
Rate
Min Deposit$150,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average3.22%▲ 0.43% above avgNationally 2.65%
Details

Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
48 Month IRA
$500
3.65% ▲ 0.43% above Florida avg
Rate3.59%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average3.22%▲ 0.43% above avgNationally 2.65%
Details

MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 2.29%
48 Month IRA Share Certificate
$0
3.65% ▲ 0.43% above Florida avg
Rate3.59%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average3.22%▲ 0.43% above avgNationally 2.65%
Details

Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Traditional/Roth IRA Mini-Jumbo Certificate 48-Month
$0
3.60% ▲ 0.38% above Florida avg
Rate3.54%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average3.22%▲ 0.38% above avgNationally 2.65%
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
48 month CD
$0
3.60% ▲ 0.38% above Florida avg
Rate3.54%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average3.22%▲ 0.38% above avgNationally 2.65%
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
Business 48 month CD
$0
3.60% ▲ 0.38% above Florida avg
Rate3.54%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average3.22%▲ 0.38% above avgNationally 2.65%
Details

1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
48 MONTH CERTIFICATE
$75,000
3.60% ▲ 0.38% above Florida avg
Rate
Min Deposit$75,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average3.22%▲ 0.38% above avgNationally 2.65%
Details

1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
48 MONTH IRA CERT
$75,000
3.60% ▲ 0.38% above Florida avg
Rate
Min Deposit$75,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average3.22%▲ 0.38% above avgNationally 2.65%
Details

PowerNet Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
48 Month Certificate
$0
3.60% ▲ 0.38% above Florida avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average3.22%▲ 0.38% above avgNationally 2.65%
Details

RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
48-Month Term Certificate
$0
3.55% ▲ 0.33% above Florida avg
Rate3.49%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average3.22%▲ 0.33% above avgNationally 2.65%
Details

Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Traditional/Roth IRA Standard 48-Month
$0
3.55% ▲ 0.33% above Florida avg
Rate3.49%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average3.22%▲ 0.33% above avgNationally 2.65%
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
48 month CD
$0
3.55% ▲ 0.33% above Florida avg
Rate3.49%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average3.22%▲ 0.33% above avgNationally 2.65%
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
Business 48 month CD
$0
3.55% ▲ 0.33% above Florida avg
Rate3.49%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average3.22%▲ 0.33% above avgNationally 2.65%
Details

1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
48 MONTH CERTIFICATE
$1,000
3.55% ▲ 0.33% above Florida avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average3.22%▲ 0.33% above avgNationally 2.65%
Details

Sugarloaf Shores 60 Month CD Rates

Florida 60 Month CD Average2.89% APYNational 2.76%▼ 0.14% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
60 Months
$2,000
4.55% ▲ 1.66% above Florida avg
Rate4.45%
Min Deposit$2,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 1.66% above avgNationally 2.76%
Details

(purchased through Raymond James brokerage account)

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
60 Month IRA Jumbo
$100,000
4.28% ▲ 1.39% above Florida avg
Rate4.20%
Min Deposit$100,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 1.39% above avgNationally 2.76%
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
60 Month IRA
$1,000
4.23% ▲ 1.34% above Florida avg
Rate4.15%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 1.34% above avgNationally 2.76%
Details

United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
60-Month CD
$1,000
4.20% ▲ 1.31% above Florida avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 1.31% above avgNationally 2.76%
Details

Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
60 Month Term Super Jumbo Max CD
$1,000,000
4.18% ▲ 1.29% above Florida avg
Rate4.10%
Min Deposit$1,000,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 1.29% above avgNationally 2.76%
Details

LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
60 Month IRA/HSA CD VIP BONUS
$0
4.15% ▲ 1.26% above Florida avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 1.26% above avgNationally 2.76%
Details

VIP BONUS. Traditional or Roth plans available. Can be established under a Certificate of Deposit or Insured Money Management Account. Contributions are usually tax deductible.

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year
$0
4.10% ▲ 1.21% above Florida avg
Rate4.03%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 1.21% above avgNationally 2.76%
Details

Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
Adjustable 60 Month Term Super Jumbo Max CD
$1,000,000
4.08% ▲ 1.19% above Florida avg
Rate4.00%
Min Deposit$1,000,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 1.19% above avgNationally 2.76%
Details

You may change the dividend rate (and corresponding APY) one time on a 36 or 60 month adjustable rate certificate. This change is a one-time option during the 36 or 60 month term of the certificate. You will have to make the decision to adjust the dividend rate to the current published 36 or 60 month adjustable certificate dividend rates. If you adjust the dividend rate, this new dividend rate would be fixed for the remainder of the 36 or 60 month certificate term.

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year
$0
4.05% ▲ 1.16% above Florida avg
Rate3.98%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 1.16% above avgNationally 2.76%
Details

Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
60 months
$100,000
4.02% ▲ 1.13% above Florida avg
Rate3.95%
Min Deposit$100,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 1.13% above avgNationally 2.76%
Details

Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA Certificate Account 60 months
$0
4.02% ▲ 1.13% above Florida avg
Rate3.95%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 1.13% above avgNationally 2.76%
Details

Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
60 Month Bonus CD
$500
4.00% ▲ 1.11% above Florida avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 1.11% above avgNationally 2.76%
Details

Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
60 Month min.
$0
4.00% ▲ 1.11% above Florida avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 1.11% above avgNationally 2.76%
Details

$10,000; Rates are indications only, and are subject to change with market conditions. Please contact a Member Service Representative for current rates. The stated rate and effective annual rate are the same.

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year
$0
4.00% ▲ 1.11% above Florida avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 1.11% above avgNationally 2.76%
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year Share Certificate
$1,000
4.00% ▲ 1.11% above Florida avg
Rate3.93%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 1.11% above avgNationally 2.76%
Details

Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
Jumbo Term Share Certificates 5 Years
$0
4.00% ▲ 1.11% above Florida avg
Rate3.94%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 1.11% above avgNationally 2.76%
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 60 Month
$0
3.97% ▲ 1.08% above Florida avg
Rate3.90%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 1.08% above avgNationally 2.76%
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year Share Certificate
$1,000
3.95% ▲ 1.06% above Florida avg
Rate3.88%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 1.06% above avgNationally 2.76%
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 5 Year
$50,000
3.95% ▲ 1.06% above Florida avg
Rate3.88%
Min Deposit$50,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 1.06% above avgNationally 2.76%
Details

Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
60 Month Term Jumbo Certificate
$0
3.95% ▲ 1.06% above Florida avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 1.06% above avgNationally 2.76%
Details

Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
60 months
$500
3.92% ▲ 1.03% above Florida avg
Rate3.85%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 1.03% above avgNationally 2.76%
Details

Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA Certificate Account 60 months
$0
3.92% ▲ 1.03% above Florida avg
Rate3.85%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 1.03% above avgNationally 2.76%
Details

Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
60 Month Term Super Jumbo Plus CD
$750,000
3.92% ▲ 1.03% above Florida avg
Rate3.85%
Min Deposit$750,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 1.03% above avgNationally 2.76%
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year
$1,000
3.90% ▲ 1.01% above Florida avg
Rate3.83%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 1.01% above avgNationally 2.76%
Details

LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
60 Month IRA/HSA CD
$0
3.90% ▲ 1.01% above Florida avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 1.01% above avgNationally 2.76%
Details

VIP Bonus Rate: 4.073%, VIP Bonus APY: 4.15%

Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
Jumbo Certificates 60 Months
$0
3.89% ▲ 1.00% above Florida avg
Rate3.82%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 1.00% above avgNationally 2.76%
Details

San Antonio Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
IRA CERTIFICATE - 60 MONTH
$0
3.85% ▲ 0.96% above Florida avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 0.96% above avgNationally 2.76%
Details

San Antonio Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
SHARE CERTIFICATE - 60 MONTH
$0
3.85% ▲ 0.96% above Florida avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 0.96% above avgNationally 2.76%
Details

Coral Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
60 Month
$0
3.85% ▲ 0.96% above Florida avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 0.96% above avgNationally 2.76%
Details

Early withdrawal penalties apply.

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
60 month IRA CD
$0
3.85% ▲ 0.96% above Florida avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 0.96% above avgNationally 2.76%
Details

Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
60 Month Term Certificate
$0
3.85% ▲ 0.96% above Florida avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 0.96% above avgNationally 2.76%
Details

BROWARD HEALTHCARE
Institution Rating:
A5.0 ★Texas Ratio: 1.43%
Star/IRA Certificates 60 Month
$0
3.85% ▲ 0.96% above Florida avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 0.96% above avgNationally 2.76%
Details

Call for weekly rates and information. Early withdrawal penalties apply.

Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
60 Months
$0
3.82% ▲ 0.93% above Florida avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 0.93% above avgNationally 2.76%
Details

SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
5-Year Share Certificate
$1,000
3.82% ▲ 0.93% above Florida avg
Rate3.75%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 0.93% above avgNationally 2.76%
Details

Penalty for early withdrawal: 9 Months Dividends

Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
Adjustable 60 Month Term Super Jumbo Plus CD
$750,000
3.82% ▲ 0.93% above Florida avg
Rate3.75%
Min Deposit$750,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 0.93% above avgNationally 2.76%
Details

You may change the dividend rate (and corresponding APY) one time on a 36 or 60 month adjustable rate certificate. This change is a one-time option during the 36 or 60 month term of the certificate. You will have to make the decision to adjust the dividend rate to the current published 36 or 60 month adjustable certificate dividend rates. If you adjust the dividend rate, this new dividend rate would be fixed for the remainder of the 36 or 60 month certificate term.

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
60 Month
$0
3.81% ▲ 0.92% above Florida avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 0.92% above avgNationally 2.76%
Details

RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
60-Month Term Certificate
$0
3.80% ▲ 0.91% above Florida avg
Rate3.73%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 0.91% above avgNationally 2.76%
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
60 month IRA CD
$0
3.80% ▲ 0.91% above Florida avg
Rate3.73%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 0.91% above avgNationally 2.76%
Details

First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
Jumbo 60 Month Certificates
$0
3.80% ▲ 0.91% above Florida avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 0.91% above avgNationally 2.76%
Details

Total Direct Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
60-month online CD
$0
3.76% ▲ 0.87% above Florida avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 0.87% above avgNationally 2.76%
Details

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month
$0
3.75% ▲ 0.86% above Florida avg
Rate3.68%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 0.86% above avgNationally 2.76%
Details

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month Certificate
$1,000
3.75% ▲ 0.86% above Florida avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 0.86% above avgNationally 2.76%
Details

All rates are Annual Percentage Yields.

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60-Month IRA
$1,000
3.75% ▲ 0.86% above Florida avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 0.86% above avgNationally 2.76%
Details

All rates are Annual Percentage Yields.

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposit 60 Month
$1,000
3.75% ▲ 0.86% above Florida avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 0.86% above avgNationally 2.76%
Details

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

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA - Individual Retirement Accounts 60-Month
$1,000
3.75% ▲ 0.86% above Florida avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 0.86% above avgNationally 2.76%
Details

All rates are Annual Percentage Yields.

Coral Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
60 Month
$0
3.75% ▲ 0.86% above Florida avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 0.86% above avgNationally 2.76%
Details

Early withdrawal penalties apply.

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
60 month CD
$0
3.75% ▲ 0.86% above Florida avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 0.86% above avgNationally 2.76%
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
60 month IRA CD
$0
3.75% ▲ 0.86% above Florida avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 0.86% above avgNationally 2.76%
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
Business 60 month CD
$0
3.75% ▲ 0.86% above Florida avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 0.86% above avgNationally 2.76%
Details

LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
60 Month CD
$0
3.75% ▲ 0.86% above Florida avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Florida Average2.89%▲ 0.86% above avgNationally 2.76%
Details

VIP Bonus Rate: 3.928%, VIP Bonus APY: 4.00%

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

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

Top CD Rates from Sugarloaf Shores, Florida Institutions

Highest verified APYs available today — updated August 28, 2026

B Top 5 Bank Rates
Third Federal Savings and Loan
6 Month Bonus CD
A+ 5.0 ★ TX: 1.96%
Min: $500
4.75%
Raymond James Bank
48 Months
A+ 5.0 ★ TX: 3.67%
Min: $2,000
4.55%
United Fidelity Bank
18-Month CD
A+ 5.0 ★ TX: 0.81%
Min: $1,000
4.50%
Crescent Bank
24-month CD
C 4.0 ★ TX: 27.16%
Min: $1,000
4.25%
U S POSTAL SERVICE
1 Year Starter Add-On
A+ 5.0 ★ TX: 4.34%
Min: $0
4.25%
CU Top 5 Credit Union Rates
All In Credit Union
18 Month IRA Jumbo
A 5.0 ★ TX: 10.02%
Min: $100,000
4.28%
Community First Credit Union Of Florida
60 Month Term Super Jumbo Max CD
A+ 5.0 ★ TX: 3.69%
Min: $1,000,000
4.18%
1st Street Credit Union
24 MONTH CERTIFICATE
A+ 5.0 ★ TX: 1.48%
Min: $150,000
4.16%
LMCU Lake Michigan Credit Union
60 Month IRA/HSA CD VIP BONUS
A+ 5.0 ★ TX: 2.33%
Min: $0
4.15%
Tampa Bay Federal Credit Union
18 Month Market Watch
A- 5.0 ★ TX: 13.64%
Min: $500
4.15%
Rates verified August 28, 2026 — Click an institution name to view its full profile, safety ratings, and all CD terms.

Sugarloaf Shores, FL CD Rate Trends

Compare local Sugarloaf Shores, FL CD rate quotes against the statewide average

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

View Full Florida CD Trends
12-Month CD — FL Avg
2.237%
▼ 0.878 vs 7 days ago

Florida 12-month CD rates fell 0.878 points over the past 7 days to 2.237% APY.

6-Month CD — FL Avg
1.649%
▼ 1.410 vs 7 days ago

Florida 6-month CD rates fell 1.410 points over the past 7 days to 1.649% APY.

As of Aug 30, 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 August 2027?

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

FL 12-Month Avg APY
2.237%
6-Month Forecast
2.237%
Range: 2.04% – 2.39%
12-Month Forecast
1.987%
Range: 1.79% – 2.14%

Data inputs: The central forecast uses CME FedWatch implied fed funds path and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the Florida average 12-month CD APY in our database.

Spread model: The Florida 12-month CD average currently trades 2.14% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (Fed holds longer, deposit competition remains high). Lower bound subtracts 0.20% (earlier or deeper rate cuts compress yields faster).

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

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 1.096% $54.79 $109.57 $273.93 $547.85
6-Month CD 1.649% $82.43 $164.86 $412.15 $824.30
12-Month CD 2.237% $111.86 $223.73 $559.32 $1,118.65
18-Month CD 2.263% $113.17 $226.33 $565.83 $1,131.65
24-Month CD 2.648% $132.41 $264.82 $662.05 $1,324.10
36-Month CD 2.891% $144.56 $289.12 $722.80 $1,445.60
48-Month CD 3.221% $161.06 $322.12 $805.30 $1,610.60
60-Month CD 2.890% $144.51 $289.02 $722.55 $1,445.10
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of August 28, 2026.

Sample CD Ladder for Sugarloaf Shores, Florida Savers

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

Build Your Ladder
Rung Term Deposit FL Avg APY Annual Earnings
1 3-Month CD $5,000 1.096% $54.79
2 6-Month CD $5,000 1.649% $82.43
3 12-Month CD $5,000 2.237% $111.86
4 24-Month CD $5,000 2.648% $132.41
5 36-Month CD $5,000 2.891% $144.56
Total ($25,000 invested) $25,000 2.104% blended $526.05/yr

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

968
CD Rates
Tracked in Sugarloaf Shores, Florida
37 Banks 71 Credit Unions

About Our Sugarloaf Shores, Florida CD Rate Database

MonitorBankRates tracks 968 CD rates from 37 banks and 71 credit unions with locations in Sugarloaf Shores, 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: Third Federal Savings and Loan offers a CD at 4.75% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in Sugarloaf Shores, Florida.

How to Find the Best CD Rates in Sugarloaf Shores, Florida

What to compare when shopping for a CD in Sugarloaf Shores, Florida

To find the best APYs in Sugarloaf Shores, Florida, start with credit unions and online-only banks — Sugarloaf Shores, Florida has 71 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.

Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.

Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.

When a CD Makes Sense in Sugarloaf Shores, 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 Sugarloaf Shores, Florida — 108 institutions here report CD rates

Consider an Alternative If…

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
$94/yr
At FL 12-mo avg 2.237% 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 2.237%, saving 10% of the local median salary ($4,189/year) and putting it in a CD would earn an additional $94 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 Sugarloaf Shores, 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

How Certificates of Deposit Work in Sugarloaf Shores, Florida

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

Choosing a CD Term in Sugarloaf Shores, Florida

The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Sugarloaf Shores, Florida savers easier access to their funds. For example, Third Federal Savings and Loan is offering its 6 Month Bonus CD at 4.75% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Raymond James Bank is offering its 60 Months at 4.55% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.

CD Risk and Safety for Sugarloaf Shores, Florida Savers

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

How CD Interest Is Paid in Sugarloaf Shores, Florida

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

Fixed vs. Variable CD Rates in Sugarloaf Shores, Florida

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

Frequently Asked Questions about CD Rates in Sugarloaf Shores, Florida

Are CD rates in Sugarloaf Shores, Florida FDIC insured?

Yes, most established banks in Sugarloaf Shores, 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 Sugarloaf Shores, 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 Sugarloaf Shores, 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 Sugarloaf Shores, 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 Sugarloaf Shores, Florida?

Here are recent top rates found for this area:
  • Third Federal Savings and Loan: 4.75% APY (6 Month Bonus CD)
  • Raymond James Bank: 4.55% APY (48 Months)
  • United Fidelity Bank: 4.50% APY (18-Month CD)
  • All In Credit Union: 4.28% APY (18 Month IRA Jumbo)
  • Crescent Bank: 4.25% APY (24-month CD)
  • U S POSTAL SERVICE: 4.25% APY (1 Year Starter Add-On)
  • Gulf Coast Business Bank: 4.24% APY (12 Month CD)
  • 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)
  • CIBC: 4.15% APY (12-month CD)
Rates reflect recent verified offers available in Sugarloaf Shores, Florida. Last Updated: August 28, 2026

Sugarloaf Shores, Florida CD Calculator

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

Interest at Maturity
$0
Ending Balance
$0
Matures

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

Top Sugarloaf Shores, Florida CD Rates by Term

Verified August 28, 2026 — click a rate to use its term and APY
Highest verified APY per term available in Sugarloaf Shores, Florida. Averages shown use the Florida state average where available, national otherwise. See the full rate tables above for all offers.

Methodology & Data Sources

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

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

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

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Sugarloaf Shores, 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: August 28, 2026

Sugarloaf Shores, Florida Rates & Resources