Tampa, Florida Best CD Rates October 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Tampa, Florida CD rates range from 0.01% to 5.25% APY, verified by MonitorBankRates as of October 19, 2026. Current Tampa, Florida CD rates include Third Federal Savings and LoanThird Federal Savings and Loan11707 N Dale Mabry Hwy, Tampa, FL 33618A+5.0 ★Texas Ratio: 2.32%Real return: +1.95%APY minus CPI (February 2026) offering 6 Month Bonus CD at 4.75% APY, Suncoast Credit UnionSuncoast Credit Union6536 E Hillsborough Ave, Tampa, FL 33610A5.0 ★Texas Ratio: 6.26%Real return: +1.70%APY minus CPI (February 2026) offering 18 Month Jumbo Certificate at 4.50% APY, Dfcu Financial Credit UnionDfcu Financial Credit Union10824 N Dale Mabry Hwy, Tampa, FL 33618A+5.0 ★Texas Ratio: 1.86%Real return: +1.60%APY minus CPI (February 2026) offering 2 year Business Share Certificates at 4.40% APY, Navy Federal Credit UnionNavy Federal Credit Union4530 S Dale Mabry Hwy, Tampa, FL 33611A5.0 ★Texas Ratio: 8.14%Real return: +1.55%APY minus CPI (February 2026) offering 12 Month Special EasyStart Certificate at 4.35% APY, and Transport Credit UnionTransport Credit Union8916 Sabal Industrial Blvd, Tampa, FL 33619A+5.0 ★Texas Ratio: 1.88%Real return: +1.52%APY minus CPI (February 2026) offering 36 Month Jumbo Certificates at 4.32% APY. CD rates as of October 19, 2026 according to verified data from MonitorBankRates.
Tampa has 506 local institutions in our database, with CD rates as high as 4.75% APY from Third Federal Savings and Loan at 11707 N Dale Mabry Hwy, Tampa, FL 33618. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Florida area. Rates are continually updated, so 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: October 19, 2026
Compare Best CD Rates in Tampa, Florida & the Surrounding Area
Tampa 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
10824 N Dale Mabry Hwy, Tampa, FL 33618
3 month Business Share Certificates
$0
3.75%
▲ 1.71% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average2.04%▲ 1.71% above avgNationally 2.12%
Details
Balance: $1,000 to $24,999
Rate History
No change since Oct 13, 2026 · 3.75% APY · checked 2 times
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
10824 N Dale Mabry Hwy, Tampa, FL 33618
3 Month Share Certificates
$0
3.75%
▲ 1.71% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average2.04%▲ 1.71% above avgNationally 2.12%
Details
Balance: $1,000 to $24,999
Rate History
No change since Oct 13, 2026 · 3.75% APY · checked 2 times
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
113 E Whiting St, Tampa, FL 33602
3-Month Certificate of Deposit
$500
3.55%
▲ 1.51% above Florida avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.04%▲ 1.51% above avgNationally 2.12%
Details
Balance: $500 or more; Account matures in 3 months; Fund with as much as $500,000 online and up to $1,000,000 in a branch
Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 7 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
17635 Bruce B Downs Blvd, Tampa, FL 33647
3 Month IRA/HSA CD - VIP Bonus
$500
3.55%
▲ 1.51% above Florida avg
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average2.04%▲ 1.51% above avgNationally 2.12%
Details
VIP Relationship Reward Bonus; Rates as of 10/18/26
Rate History
No change since Oct 13, 2026 · 3.55% APY · checked 2 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
17635 Bruce B Downs Blvd, Tampa, FL 33647
3 Month CD - VIP Bonus
$0
3.40%
▲ 1.36% above Florida avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average2.04%▲ 1.36% above avgNationally 2.12%
Details
VIP Relationship Reward Bonus rate; where noted, CD rates include 0.25% MORE VIP Relationship Reward Bonus
Rate History
No change since Oct 13, 2026 · 3.40% APY · checked 2 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
17635 Bruce B Downs Blvd, Tampa, FL 33647
3 Month IRA/HSA CD
$500
3.30%
▲ 1.26% above Florida avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average2.04%▲ 1.26% above avgNationally 2.12%
Details
Rates as of 10/18/26
Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 7 times
Seacoast National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
400 N Ashley Dr, Tampa, FL 33602
3-Month CD (Certificate of Deposit)
$1,000
3.25%
▲ 1.21% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.04%▲ 1.21% above avgNationally 2.12%
Details
Special APY applicable to initial term only; offer not available to funds currently on deposit at Seacoast Bank; APY accurate as of October 3, 2026; early withdrawal may be subject to penalty
Rate History
No change since Sep 24, 2026 · 3.25% APY · checked 2 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
17635 Bruce B Downs Blvd, Tampa, FL 33647
3 Month CD
$0
3.15%
▲ 1.11% above Florida avg
▼
Rate3.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average2.04%▲ 1.11% above avgNationally 2.12%
Details
Rate History
No change since Sep 18, 2026 · 3.15% APY · checked 7 times
Amerant Bank
Institution Rating:
B+4.7 ★Texas Ratio: 18.65%
4830 W Kennedy Blvd Ste 105, Tampa, FL 33609
3 Month Certificates of Deposit
$0
3.00%
▲ 0.96% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.04%▲ 0.96% above avgNationally 2.12%
Details
FL only; banking center minimum $10,000, online minimum $500
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 5 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
3 Month CD
$0
2.40%
▲ 0.36% above Florida avg
▼
Rate2.37%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average2.04%▲ 0.36% above avgNationally 2.12%
Details
Balance: $500 minimum to earn interest; Call 800.593.2274 or visit a branch to open your CD
Rate History
No change since Sep 18, 2026 · 2.40% APY · checked 7 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
Business Performance Certificate of Deposit - 3 month CD
$0
2.40%
▲ 0.36% above Florida avg
▼
Rate2.37%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average2.04%▲ 0.36% above avgNationally 2.12%
Details
Rate History
No change since Oct 19, 2026 · 2.40% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
4530 S Dale Mabry Hwy, Tampa, FL 33611
Short-Term Certificate (Share, IRA, ESA) - 3 Months
$0
1.55%
▼ 0.49% below Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.04%▼ 0.49% below avgNationally 2.12%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 1.55% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
4530 S Dale Mabry Hwy, Tampa, FL 33611
Short-Term Certificate (Share, IRA, ESA) - 3 Months
$0
1.50%
▼ 0.54% below Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.04%▼ 0.54% below avgNationally 2.12%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 1.50% APY
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
3202 W Waters Ave, Tampa, FL 33614
IRA Certificate - 3 Month
$1,000
1.25%
▼ 0.79% below Florida avg
▼
Rate1.24%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average2.04%▼ 0.79% below avgNationally 2.12%
Details
Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 2 times
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
3202 W Waters Ave, Tampa, FL 33614
Regular Certificates - 3 Month
$1,000
1.25%
▼ 0.79% below Florida avg
▼
Rate1.24%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average2.04%▼ 0.79% below avgNationally 2.12%
Details
Rate History
No change since Oct 14, 2026 · 1.25% APY · checked 2 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
2307 W Kennedy Blvd, Tampa, FL 33609
3 Month CD
$0
1.00%
▼ 1.04% below Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.04%▼ 1.04% below avgNationally 2.12%
Details
Balance: $250.00 - $9,999.99
Rate History
No change since Sep 18, 2026 · 1.00% APY · checked 2 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
2307 W Kennedy Blvd, Tampa, FL 33609
3 Month TD Choice CD
$0
1.00%
▼ 1.04% below Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.04%▼ 1.04% below avgNationally 2.12%
Details
Balance: $250.00 - $9,999.99; Standard APY
Rate History
No change since Oct 2, 2026 · 1.00% APY · checked 2 times
Tampa Bay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.75%
3815 N Nebraska Ave, Tampa, FL 33603
3 Month Share Certificate
$0
1.00%
▼ 1.04% below Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average2.04%▼ 1.04% below avgNationally 2.12%
Details
Balance: $500-$49,999; Effective Date: Monday, October 19th, 2026
Rate History
No change since Sep 18, 2026 · 1.00% APY · checked 5 times
Century Bank of Florida
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
716 W Fletcher Ave, Tampa, FL 33612
Certificates of Deposit - 90 Day
$500
0.07%
▼ 1.97% below Florida avg
▼
Rate0.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.04%▼ 1.97% below avgNationally 2.12%
Details
Compounding: Monthly
Rate History
No change since Sep 14, 2026 · 0.07% APY · checked 8 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
214 S Hyde Park Ave, Tampa, FL 33606
3 month Standard Fixed Rate CD - Relationship
$2,500
0.06%
▼ 1.98% below Florida avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.04%▼ 1.98% below avgNationally 2.12%
Details
Relationship Interest Rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 3 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
214 S Hyde Park Ave, Tampa, FL 33606
3 month Standard Fixed Rate CD
$2,500
0.05%
▼ 1.99% below Florida avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.04%▼ 1.99% below avgNationally 2.12%
Details
Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 4 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
401 E Jackson St, Tampa, FL 33602
3 Month CD
$1,000
0.05%
▼ 1.99% below Florida avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Florida Average2.04%▼ 1.99% below avgNationally 2.12%
Details
Standard rate; Truist offers any term from 7 days to 60 months at this rate, all balance tiers; rates accurate as of 5/12/2026
Rate History
No change since Oct 15, 2026 · 0.05% APY
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
501 E Kennedy Blvd, Tampa, FL 33602
3 Month IRA Certificate of Deposit
$0
0.05%
▼ 1.99% below Florida avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average2.04%▼ 1.99% below avgNationally 2.12%
Details
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Rate History
No change since Oct 14, 2026 · 0.05% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
501 E Kennedy Blvd, Tampa, FL 33602
3 Month Standard CD
$1,000
0.05%
▼ 1.99% below Florida avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average2.04%▼ 1.99% below avgNationally 2.12%
Details
Balance: up to $100,000; Rates for ZIP code 60603
Rate History
No change since Oct 14, 2026 · 0.05% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
8351 N Dale Mabry Hwy, Tampa, FL 33614
3 Month Certificate of Deposit
$0
0.03%
▼ 2.01% below Florida avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.04%▼ 2.01% below avgNationally 2.12%
Details
Balance: $25,000.00 and above; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
8351 N Dale Mabry Hwy, Tampa, FL 33614
3 Month Certificate of Deposit
$0
0.02%
▼ 2.02% below Florida avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.04%▼ 2.02% below avgNationally 2.12%
Details
Balance: $1,000.00 - $24,999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
8351 N Dale Mabry Hwy, Tampa, FL 33614
3 Month Certificate of Deposit
$0
0.01%
▼ 2.03% below Florida avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.04%▼ 2.03% below avgNationally 2.12%
Details
Balance: $1.00 - $999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
3 Month CD
$0
4.30%
▲ 2.26% above Florida avg
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average2.04%▲ 2.26% above avgNationally 2.12%
Details
Rate History
2 changes since Sep 24, 2026 · 3.95% → 4.30% ▲ 0.35 pts · high 4.30% / low 3.95%
- Oct 14, 20264.30%▲ from 4.15%
- Oct 1, 20264.15%▲ from 3.95%
- Sep 24, 20263.95%first recorded
City National Bank of Florida
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
3-month online CD
$25,000
4.00%
▲ 1.96% above Florida avg
▼
Rate3.92%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.04%▲ 1.96% above avgNationally 2.12%
Details
Available for current 3-Month CD clients only; Online Only; Interest Rate: 3.92%; Maximum $1,000,000 per client
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 7 times
Banesco USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
3 month CD
$1,000
3.85%
▲ 1.81% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.04%▲ 1.81% above avgNationally 2.12%
Details
Special CD Rates for Continental U.S.
Rate History
1 change since Sep 30, 2026 · 3.80% → 3.85% ▲ 0.05 pts · high 3.85% / low 3.80%
- Oct 6, 20263.85%▲ from 3.80%
- Sep 30, 20263.80%first recorded
Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
CD - 3 Months
$500
3.75%
▲ 1.71% above Florida avg
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average2.04%▲ 1.71% above avgNationally 2.12%
Details
Effective Date: September 21, 2026
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
- Oct 5, 20263.75%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
IRA CD 3 Months
$500
3.75%
▲ 1.71% above Florida avg
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average2.04%▲ 1.71% above avgNationally 2.12%
Details
Visit a Branch to Open; Min. Average Daily Balance to Earn APY: $500
Rate History
No change since Oct 19, 2026 · 3.75% APY · checked 2 times
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
3 Month Jumbo Term Certificate
$100,000
3.71%
▲ 1.67% above Florida avg
▼
Rate3.65%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average2.04%▲ 1.67% above avgNationally 2.12%
Details
Certificates are established with a required minimum deposit. Anytime there is a withdrawal from the certificate that results in the balance being less than the minimum required balance, the certificate should either be closed or put into a certificate where the balance meets the required minimum deposit.
Rate History
No change since Sep 18, 2026 · 3.71% APY · checked 2 times
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
3 Month IRA
$1,000
3.66%
▲ 1.62% above Florida avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average2.04%▲ 1.62% above avgNationally 2.12%
Details
Certificates can only be added to at maturity or in the 10-day grace period
Rate History
No change since Oct 19, 2026 · 3.66% APY
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
3 Month Term Certificate
$1,000
3.66%
▲ 1.62% above Florida avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average2.04%▲ 1.62% above avgNationally 2.12%
Details
Certificates are established with a required minimum deposit. Anytime there is a withdrawal from the certificate that results in the balance being less than the minimum required balance, the certificate should either be closed or put into a certificate where the balance meets the required minimum deposit.
Rate History
No change since Sep 18, 2026 · 3.66% APY · checked 2 times
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
3 Month Performance CDs
$0
3.60%
▲ 1.56% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.04%▲ 1.56% above avgNationally 2.12%
Details
Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 5 times
Newtek Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
3 Month CD
$2,500
3.50%
▲ 1.46% above Florida avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.04%▲ 1.46% above avgNationally 2.12%
Details
Business CD; Maximum deposit $250,000; Open online
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 7 times
Launch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
Business Share Certificate - 3 Month
$0
3.45%
▲ 1.41% above Florida avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average2.04%▲ 1.41% above avgNationally 2.12%
Details
Existing certificates only - no new accounts offered
Rate History
No change since Sep 18, 2026 · 3.45% APY · checked 7 times
Launch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
Share Certificates - 3 Month
$0
3.45%
▲ 1.41% above Florida avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average2.04%▲ 1.41% above avgNationally 2.12%
Details
Existing certificates only - no new accounts offered
Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 3 times
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
Jumbo Term Share Certificates - 3 Months
$0
3.40%
▲ 1.36% above Florida avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average2.04%▲ 1.36% above avgNationally 2.12%
Details
Subject to penalty for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 7 times
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
Term Share Certificates - 3 Months
$0
3.40%
▲ 1.36% above Florida avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average2.04%▲ 1.36% above avgNationally 2.12%
Details
Subject to penalty for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 8 times
Axiom Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
3 Month Small Business Certificates of Deposit
$500
3.35%
▲ 1.31% above Florida avg
▼
Rate3.29%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.04%▲ 1.31% above avgNationally 2.12%
Details
Substantial penalty for early withdrawal; APY as of 7/6/26
Rate History
No change since Sep 19, 2026 · 3.35% APY · checked 6 times
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
3-Month Share Certificate
$1,000
3.35%
▲ 1.31% above Florida avg
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Florida Average2.04%▲ 1.31% above avgNationally 2.12%
Details
Early withdrawal penalty: 3 Months Dividends
Rate History
1 change since Sep 14, 2026 · 3.26% → 3.35% ▲ 0.09 pts · high 3.35% / low 3.26%
- Sep 18, 20263.35%▲ from 3.26%
- Sep 14, 20263.26%first recorded
Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
Jumbo Certificates - 3 Months
$0
3.29%
▲ 1.25% above Florida avg
▼
Rate3.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average2.04%▲ 1.25% above avgNationally 2.12%
Details
Rate History
1 change since Sep 18, 2026 · 4.00% → 3.29% ▼ 0.71 pts · high 4.00% / low 3.29%
- Oct 13, 20263.29%▼ from 4.00%
- Sep 18, 20264.00%first recorded
Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
Standard Certificates - 3 Months
$0
3.26%
▲ 1.22% above Florida avg
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average2.04%▲ 1.22% above avgNationally 2.12%
Details
Rate History
1 change since Sep 14, 2026 · 4.00% → 3.26% ▼ 0.74 pts · high 4.00% / low 3.26%
- Oct 13, 20263.26%▼ from 4.00%
- Sep 14, 20264.00%first recorded
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
3-Month Term Certificate
$0
3.25%
▲ 1.21% above Florida avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.04%▲ 1.21% above avgNationally 2.12%
Details
Balance: $1,000,000 OR HIGHER; Early withdrawal penalties may apply
Rate History
No change since Sep 24, 2026 · 3.25% APY · checked 6 times
First Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
3 Month Certificate
$1,000
3.25%
▲ 1.21% above Florida avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average2.04%▲ 1.21% above avgNationally 2.12%
Details
Interest compounded and paid monthly; fixed for the term
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
Certificates of Deposit - 3 Month
$500
3.25%
▲ 1.21% above Florida avg
▼
Rate3.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average2.04%▲ 1.21% above avgNationally 2.12%
Details
Rate History
No change since Oct 14, 2026 · 3.25% APY · checked 2 times
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
IRA Certificate 3 Months
$500
3.25%
▲ 1.21% above Florida avg
▼
Rate3.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average2.04%▲ 1.21% above avgNationally 2.12%
Details
IRA Certificates; Rate is Dividend Rate
Rate History
No change since Oct 14, 2026 · 3.25% APY · checked 2 times
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
Regular Certificate of Deposit - 3 Months
$500
3.25%
▲ 1.21% above Florida avg
▼
Rate3.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average2.04%▲ 1.21% above avgNationally 2.12%
Details
Rates effective as of October 13, 2026
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 4 times
Tampa 6 Month CD Rates
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: 2.32%
11707 N Dale Mabry Hwy, Tampa, FL 33618
6 Month Bonus CD
$0
4.75%
▲ 1.68% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.07%▲ 1.68% above avgNationally 2.79%
Details
Bonus CD; Minimum to Obtain: $500
Rate History
No change since Sep 18, 2026 · 4.75% APY · checked 5 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
6 Month IRA CD
$0
4.10%
▲ 1.03% above Florida avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.07%▲ 1.03% above avgNationally 2.79%
Details
Minimum balance to earn interest: $100,000
Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 5 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
6 Month IRA CD
$0
4.05%
▲ 0.98% above Florida avg
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.07%▲ 0.98% above avgNationally 2.79%
Details
Minimum balance to earn interest: $25,000
Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 5 times
INB National Association
Institution Rating:
A5.0 ★Texas Ratio: 9.74%
2222 West Swann Avenue, Tampa, FL 33606
6-Month CD Special
$1,000
4.04%
▲ 0.97% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.07%▲ 0.97% above avgNationally 2.79%
Details
Special for customers who have an INB loan or INB checking account with monthly direct deposit; Balance: $1,000 minimum daily balance to obtain APY; Deposit $1,000 to open, no additional deposits; Matures in 6 months; Early withdrawal penalty 90 days of interest; Renews at 6-month term at standard rates; 10 calendar days after maturity to withdraw without penalty
Rate History
1 change since Sep 18, 2026 · 3.43% → 4.04% ▲ 0.61 pts · high 4.04% / low 3.43%
- Oct 14, 20264.04%▲ from 3.43%
- Sep 18, 20263.43%first recorded
INB National Association
Institution Rating:
A5.0 ★Texas Ratio: 9.74%
2222 West Swann Avenue, Tampa, FL 33606
CD (6 Month Special)
$1,000
4.04%
▲ 0.97% above Florida avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.07%▲ 0.97% above avgNationally 2.79%
Details
Minimum Opening Deposit: $1,000.00; Minimum Balance to Obtain Annual Percentage Yield: $1,000.00
Rate History
1 change since Oct 7, 2026 · 3.71% → 4.04% ▲ 0.33 pts · high 4.04% / low 3.71%
- Oct 14, 20264.04%▲ from 3.71%
- Oct 7, 20263.71%first recorded
Transport Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
8916 Sabal Industrial Blvd, Tampa, FL 33619
6 Month Jumbo Certificates
$100,000
4.01%
▲ 0.94% above Florida avg
▼
Rate3.95%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.07%▲ 0.94% above avgNationally 2.79%
Details
Jumbo Certificate rates require a $100,000.00 minimum deposit.
Rate History
No change since Oct 10, 2026 · 4.01% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
1300 N West Shore Blvd, Tampa, FL 33607
6 Month CD
$0
4.00%
▲ 0.93% above Florida avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.07%▲ 0.93% above avgNationally 2.79%
Details
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
1300 N West Shore Blvd, Tampa, FL 33607
6 Month Certificate of Deposit
$1,000
4.00%
▲ 0.93% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.07%▲ 0.93% above avgNationally 2.79%
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
1300 N West Shore Blvd, Tampa, FL 33607
6-Month IRA
$1,000
4.00%
▲ 0.93% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.07%▲ 0.93% above avgNationally 2.79%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
1300 N West Shore Blvd, Tampa, FL 33607
IRA - Individual Retirement Accounts 6-Month
$1,000
4.00%
▲ 0.93% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.07%▲ 0.93% above avgNationally 2.79%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
- Oct 7, 20264.00%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
6 Month CD
$500
4.00%
▲ 0.93% above Florida avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.07%▲ 0.93% above avgNationally 2.79%
Details
Balance: $100,000 minimum to earn interest
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
6 Month HSA CD
$500
4.00%
▲ 0.93% above Florida avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.07%▲ 0.93% above avgNationally 2.79%
Details
Minimum balance to earn interest: $100,000
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 4 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
6 Month IRA CD
$0
4.00%
▲ 0.93% above Florida avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.07%▲ 0.93% above avgNationally 2.79%
Details
Minimum balance to earn interest: $500
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
Business 6 Month CD
$500
4.00%
▲ 0.93% above Florida avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.07%▲ 0.93% above avgNationally 2.79%
Details
Minimum Balance to Earn Interest: $100,000; A minimum opening balance of $500 is required for all CD products.
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
10824 N Dale Mabry Hwy, Tampa, FL 33618
6 month Business Share Certificates
$0
4.00%
▲ 0.93% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.07%▲ 0.93% above avgNationally 2.79%
Details
Balance: $1,000 to $24,999
Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 2 times
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
10824 N Dale Mabry Hwy, Tampa, FL 33618
6 month Share Certificates
$0
4.00%
▲ 0.93% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.07%▲ 0.93% above avgNationally 2.79%
Details
Balance: $1,000 to $24,999
Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 2 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
6 Month CD
$500
3.95%
▲ 0.88% above Florida avg
▼
Rate3.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.07%▲ 0.88% above avgNationally 2.79%
Details
Balance: $25,000 minimum to earn interest
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 8 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
6 Month HSA CD
$500
3.95%
▲ 0.88% above Florida avg
▼
Rate3.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.07%▲ 0.88% above avgNationally 2.79%
Details
Minimum balance to earn interest: $25,000
Rate History
No change since Sep 18, 2026 · 3.95% APY · checked 4 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
Business 6 Month CD
$500
3.95%
▲ 0.88% above Florida avg
▼
Rate3.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.07%▲ 0.88% above avgNationally 2.79%
Details
Minimum Balance to Earn Interest: $25,000; A minimum opening balance of $500 is required for all CD products.
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 8 times
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
6536 E Hillsborough Ave, Tampa, FL 33610
6 Month Jumbo Certificate
$0
3.95%
▲ 0.88% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.07%▲ 0.88% above avgNationally 2.79%
Details
Rate Type: Fixed
Rate History
No change since Sep 18, 2026 · 3.95% APY · checked 7 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
6 Month CD
$500
3.90%
▲ 0.83% above Florida avg
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.07%▲ 0.83% above avgNationally 2.79%
Details
Balance: $500 minimum to earn interest
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 8 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
6 Month HSA CD
$500
3.90%
▲ 0.83% above Florida avg
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.07%▲ 0.83% above avgNationally 2.79%
Details
Minimum balance to earn interest: $500
Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 4 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
Business 6 Month CD
$500
3.90%
▲ 0.83% above Florida avg
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.07%▲ 0.83% above avgNationally 2.79%
Details
Minimum Balance to Earn Interest: $500; A minimum opening balance of $500 is required for all CD products.
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 8 times
INB National Association
Institution Rating:
A5.0 ★Texas Ratio: 9.74%
2222 West Swann Avenue, Tampa, FL 33606
6-Month & 13-Month CD Special
$1,000
3.83%
▲ 0.76% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.07%▲ 0.76% above avgNationally 2.79%
Details
Penalty: 180 days of interest on early withdrawal; Auto-renews at 12-month term at standard rates; No additional deposits allowed; Daily balance method
Rate History
2 changes since Sep 18, 2026 · 3.50% → 3.83% ▲ 0.33 pts · high 3.83% / low 3.50%
- Oct 14, 20263.83%▲ from 3.74%
- Oct 7, 20263.74%▲ from 3.50%
- Sep 18, 20263.50%first recorded
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
3020 Melburne Blvd, Tampa, FL 33605
6 Month Certificate
$1,000
3.82%
▲ 0.75% above Florida avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.07%▲ 0.75% above avgNationally 2.79%
Details
Effective Date: Monday, October 19th, 2026
Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 10 times
BankUnited
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
3801 Henderson Blvd, Tampa, FL 33629
6-Month CD
$1,000
3.75%
▲ 0.68% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.07%▲ 0.68% above avgNationally 2.79%
Details
Promotional Rates; Rates available only for accounts opened in a BankUnited branch; Advertised rate is fixed for the initial term of the CD; CD minimum opening deposit of $1,000 required
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 9 times
Transport Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
8916 Sabal Industrial Blvd, Tampa, FL 33619
Share Certificate - 6 Months
$0
3.75%
▲ 0.68% above Florida avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.07%▲ 0.68% above avgNationally 2.79%
Details
Effective Date: Monday, October 19th, 2026
Rate History
No change since Oct 19, 2026 · 3.75% APY · checked 2 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
327 N Dale Mabry Hwy, Tampa, FL 33609
6-Month Term CD
$1,000
3.75%
▲ 0.68% above Florida avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.07%▲ 0.68% above avgNationally 2.79%
Details
Rate History
No change since Oct 19, 2026 · 3.75% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
327 N Dale Mabry Hwy, Tampa, FL 33609
Term CD - 6-Month
$1,000
3.75%
▲ 0.68% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.07%▲ 0.68% above avgNationally 2.79%
Details
Minimum of $1,000 to open your account
Rate History
No change since Oct 19, 2026 · 3.75% APY
INB National Association
Institution Rating:
A5.0 ★Texas Ratio: 9.74%
2222 West Swann Avenue, Tampa, FL 33606
6-Month & 13-Month CD Special
$1,000
3.73%
▲ 0.66% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.07%▲ 0.66% above avgNationally 2.79%
Details
Penalty: 90 days of interest on early withdrawal; Auto-renews at 6-month term at standard rates; No additional deposits allowed; Daily balance method
Rate History
2 changes since Sep 18, 2026 · 3.43% → 3.73% ▲ 0.30 pts · high 3.73% / low 3.43%
- Oct 14, 20263.73%▲ from 3.71%
- Oct 7, 20263.71%▲ from 3.43%
- Sep 18, 20263.43%first recorded
INB National Association
Institution Rating:
A5.0 ★Texas Ratio: 9.74%
2222 West Swann Avenue, Tampa, FL 33606
CD (6 Month Special)
$1,000
3.73%
▲ 0.66% above Florida avg
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.07%▲ 0.66% above avgNationally 2.79%
Details
Rate History
1 change since Oct 7, 2026 · 3.71% → 3.73% ▲ 0.02 pts · high 3.73% / low 3.71%
- Oct 14, 20263.73%▲ from 3.71%
- Oct 7, 20263.71%first recorded
RBMAX
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
1300 N West Shore Blvd, Tampa, FL 33607
Certificates of Deposit - 6 Month
$1,000
3.70%
▲ 0.63% above Florida avg
▼
Rate3.63%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.07%▲ 0.63% above avgNationally 2.79%
Details
Partial withdrawals allowed; $100,000 maximum deposit per CD product; automatically renewable
Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 7 times
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
6536 E Hillsborough Ave, Tampa, FL 33610
6 Month Share Certificate
$0
3.70%
▲ 0.63% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.07%▲ 0.63% above avgNationally 2.79%
Details
Rate Type: Fixed
Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 7 times
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
6536 E Hillsborough Ave, Tampa, FL 33610
6 Month Youth Certificate
$0
3.70%
▲ 0.63% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.07%▲ 0.63% above avgNationally 2.79%
Details
Rate Type: Fixed
Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 7 times
GTE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.65%
711 E Henderson Ave, Tampa, FL 33602
6 Month Jumbo Share Certificate
$100,000
3.66%
▲ 0.59% above Florida avg
▼
Rate3.60%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Florida Average3.07%▲ 0.59% above avgNationally 2.79%
Details
Opening deposit of $100,000 or more; APY accurate as of 2/10/26
Rate History
No change since Sep 25, 2026 · 3.66% APY · checked 5 times
PowerNet Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
5619 Harney Rd, Tampa, FL 33610
6 Month Certificate
$500
3.60%
▲ 0.53% above Florida avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.07%▲ 0.53% above avgNationally 2.79%
Details
Share Certificates, Regular and IRA Accounts; Rates as of September 23, 2025; Early withdrawal penalties may apply
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 9 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
17635 Bruce B Downs Blvd, Tampa, FL 33647
6 Month IRA/HSA CD - VIP Bonus
$500
3.55%
▲ 0.48% above Florida avg
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.07%▲ 0.48% above avgNationally 2.79%
Details
VIP Relationship Reward Bonus; Rates as of 10/18/26
Rate History
No change since Oct 13, 2026 · 3.55% APY · checked 2 times
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3209 E Busch Blvd, Tampa, FL 33612 8737
Member Merits (Gold) 6 Month Certificate
$0
3.55%
▲ 0.48% above Florida avg
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.07%▲ 0.48% above avgNationally 2.79%
Details
Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances; Dividend Rate 3.49%
Rate History
No change since Oct 13, 2026 · 3.55% APY · checked 2 times
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
113 E Whiting St, Tampa, FL 33602
6-Month Certificate of Deposit
$500
3.50%
▲ 0.43% above Florida avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.07%▲ 0.43% above avgNationally 2.79%
Details
Earn 3.50% APY on balances of $500 or more; Account matures in 6 months; Fund up to $500,000 online and $1,000,000 in a branch
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 5 times
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
113 E Whiting St, Tampa, FL 33602
6-Month Fixed Rate CD
$0
3.50%
▲ 0.43% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.07%▲ 0.43% above avgNationally 2.79%
Details
Featured on Grow your savings your way section
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 3 times
Amerant Bank
Institution Rating:
B+4.7 ★Texas Ratio: 18.65%
4830 W Kennedy Blvd Ste 105, Tampa, FL 33609
6 Month Certificates of Deposit
$0
3.50%
▲ 0.43% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.07%▲ 0.43% above avgNationally 2.79%
Details
FL only; banking center minimum $10,000, online minimum $500
Rate History
1 change since Sep 24, 2026 · 4.25% → 3.50% ▼ 0.75 pts · high 4.25% / low 3.50%
- Oct 14, 20263.50%▼ from 4.25%
- Sep 24, 20264.25%first recorded
Tampa Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
3501 Bessie Coleman Blvd, Tampa, FL 33630
6 Month Share Certificate Account
$500
3.50%
▲ 0.43% above Florida avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Florida Average3.07%▲ 0.43% above avgNationally 2.79%
Details
Effective March 1, 2026; $500 minimum deposit and early withdrawal penalties may apply on certificate accounts
Rate History
No change since Oct 12, 2026 · 3.50% APY · checked 2 times
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3209 E Busch Blvd, Tampa, FL 33612 8737
6 Month Certificate
$0
3.50%
▲ 0.43% above Florida avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.07%▲ 0.43% above avgNationally 2.79%
Details
APY accurate as of 09/22/2026; subject to penalty for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.50% ▼ 0.05 pts · high 3.55% / low 3.50%
- Sep 18, 20263.50%▼ from 3.55%
- Sep 14, 20263.55%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3209 E Busch Blvd, Tampa, FL 33612 8737
Business Certificate of Deposit - 6 Month Certificate
$0
3.50%
▲ 0.43% above Florida avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.07%▲ 0.43% above avgNationally 2.79%
Details
Business Certificate of Deposit; Min. Balance/Average Daily Balance $1,000; Subject to penalty for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
GTE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.65%
711 E Henderson Ave, Tampa, FL 33602
6 Month Share Certificate
$500
3.40%
▲ 0.33% above Florida avg
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Florida Average3.07%▲ 0.33% above avgNationally 2.79%
Details
Rate History
No change since Sep 25, 2026 · 3.40% APY · checked 4 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
17635 Bruce B Downs Blvd, Tampa, FL 33647
6 Month CD - VIP Bonus
$0
3.40%
▲ 0.33% above Florida avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.07%▲ 0.33% above avgNationally 2.79%
Details
VIP Relationship Reward Bonus rate; where noted, CD rates include 0.25% MORE VIP Relationship Reward Bonus
Rate History
No change since Oct 13, 2026 · 3.40% APY · checked 2 times
Tampa Bay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.75%
3815 N Nebraska Ave, Tampa, FL 33603
6 Month Share Certificate
$0
3.35%
▲ 0.28% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.07%▲ 0.28% above avgNationally 2.79%
Details
Balance: $500-$49,999; Effective Date: Monday, October 19th, 2026
Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 5 times
Trax Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
3710 N 50th St, Tampa, FL 33619
6 Month IRA Jumbo Certificate
$100,000
3.30%
▲ 0.23% above Florida avg
▼
Rate3.25%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.07%▲ 0.23% above avgNationally 2.79%
Details
Compounded daily. Penalty for early withdrawal.
Rate History
No change since Oct 9, 2026 · 3.30% APY · checked 3 times
Trax Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
3710 N 50th St, Tampa, FL 33619
6 Month Jumbo Share Certificate
$100,000
3.30%
▲ 0.23% above Florida avg
▼
Rate3.25%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.07%▲ 0.23% above avgNationally 2.79%
Details
Compounded daily. Penalty for early withdrawal.
Rate History
No change since Oct 9, 2026 · 3.30% APY · checked 3 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
17635 Bruce B Downs Blvd, Tampa, FL 33647
6 Month IRA/HSA CD
$500
3.30%
▲ 0.23% above Florida avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.07%▲ 0.23% above avgNationally 2.79%
Details
Rates as of 10/18/26
Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 7 times
Tampa 12 Month CD Rates
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: 2.32%
11707 N Dale Mabry Hwy, Tampa, FL 33618
12 Month Online CD
$500
4.35%
▲ 1.13% above Florida avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.22%▲ 1.13% above avgNationally 3.00%
Details
Online CD
Rate History
No change since Sep 18, 2026 · 4.35% APY · checked 7 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
4530 S Dale Mabry Hwy, Tampa, FL 33611
12 Month Special EasyStart Certificate
$50
4.35%
▲ 1.13% above Florida avg
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.22%▲ 1.13% above avgNationally 3.00%
Details
Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 5 times
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
11707 N Dale Mabry Hwy, Tampa, FL 33618
1 Year Rising Rate CD
$500
4.25%
▲ 1.03% above Florida avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.22%▲ 1.03% above avgNationally 3.00%
Details
Table row 4 of 4 for 1 Year Rising Rate CD; Minimum to Obtain: $500
Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 7 times
Amerant Bank
Institution Rating:
B+4.7 ★Texas Ratio: 18.65%
4830 W Kennedy Blvd Ste 105, Tampa, FL 33609
12 Month Certificates of Deposit
$0
4.25%
▲ 1.03% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.22%▲ 1.03% above avgNationally 3.00%
Details
FL only; promotional CD offer; 10-day rate guarantee; banking center minimum $10,000, online minimum $500
Rate History
1 change since Sep 27, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 14, 20264.25%▲ from 4.00%
- Sep 27, 20264.00%first recorded
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
7650 W Courtney Campbell Cswy Ste 900, Tampa, FL 33607
IRA 1 Year Starter Add-On Certificate
$0
4.25%
▲ 1.03% above Florida avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.22%▲ 1.03% above avgNationally 3.00%
Details
Maximum Balance $1,000.00; Traditional, Roth & Coverdell Education; Rates Set: Monthly; Add funds at any time throughout the certificate term up to $1,000; Limit One Per Member Under 18 Years of Age; Must have a Regular IRA Savings Account in order to open; penalty for early withdrawal
Rate History
No change since Oct 19, 2026 · 4.25% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
4530 S Dale Mabry Hwy, Tampa, FL 33611
Short-Term Certificate (Share, IRA, ESA) - 12 Months
$0
4.10%
▲ 0.88% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.22%▲ 0.88% above avgNationally 3.00%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.10% APY
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
7650 W Courtney Campbell Cswy Ste 900, Tampa, FL 33607
Starter Certificate - 1 Year Add-On
$0
4.10%
▲ 0.88% above Florida avg
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.22%▲ 0.88% above avgNationally 3.00%
Details
Maximum Balance $1,000; Add funds throughout the certificate term; Rates Set: Monthly; Limit One Per Member; early withdrawal penalty applies
Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 2 times
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
7650 W Courtney Campbell Cswy Ste 900, Tampa, FL 33607
Young Saver's Certificates - 1 Year Add-On
$0
4.10%
▲ 0.88% above Florida avg
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.22%▲ 0.88% above avgNationally 3.00%
Details
Balance: $1.00 - $1,000.00; Rates set monthly; Add funds at any time throughout the certificate term up to $1,000; Limit one per member under 18 years of age; Early withdrawal penalty applies
Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 2 times
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
3020 Melburne Blvd, Tampa, FL 33605
12 Month Certificate
$500
4.08%
▲ 0.86% above Florida avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.22%▲ 0.86% above avgNationally 3.00%
Details
Effective Date: Monday, October 19th, 2026
Rate History
No change since Sep 14, 2026 · 4.08% APY · checked 10 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
4530 S Dale Mabry Hwy, Tampa, FL 33611
Short-Term Certificate (Share, IRA, ESA) - 12 Months
$0
4.05%
▲ 0.83% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.22%▲ 0.83% above avgNationally 3.00%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.05% APY
Transport Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
8916 Sabal Industrial Blvd, Tampa, FL 33619
12 Month Jumbo Certificates
$100,000
4.01%
▲ 0.79% above Florida avg
▼
Rate3.95%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.22%▲ 0.79% above avgNationally 3.00%
Details
Jumbo Certificate rates require a $100,000.00 minimum deposit.
Rate History
No change since Oct 10, 2026 · 4.01% APY · checked 2 times
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
11707 N Dale Mabry Hwy, Tampa, FL 33618
1 Year Rising Rate CD
$500
4.00%
▲ 0.78% above Florida avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.22%▲ 0.78% above avgNationally 3.00%
Details
Table row 1 of 4 for 1 Year Rising Rate CD; Minimum to Obtain: $500
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 7 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
4530 S Dale Mabry Hwy, Tampa, FL 33611
12 Month ESA EasyStart Certificate
$50
4.00%
▲ 0.78% above Florida avg
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.22%▲ 0.78% above avgNationally 3.00%
Details
Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)
Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 3 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
327 N Dale Mabry Hwy, Tampa, FL 33609
1-Year Term CD
$1,000
4.00%
▲ 0.78% above Florida avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.22%▲ 0.78% above avgNationally 3.00%
Details
Rate History
No change since Oct 19, 2026 · 4.00% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
327 N Dale Mabry Hwy, Tampa, FL 33609
Term CD - 1-Year
$1,000
4.00%
▲ 0.78% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.22%▲ 0.78% above avgNationally 3.00%
Details
Minimum of $1,000 to open your account; 1-Year Term CD renews automatically for the same term
Rate History
No change since Oct 19, 2026 · 4.00% APY
BankUnited
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
3801 Henderson Blvd, Tampa, FL 33629
12-Month CD
$1,000
3.95%
▲ 0.73% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.22%▲ 0.73% above avgNationally 3.00%
Details
Rates available only for accounts opened in a BankUnited branch; Advertised rate is fixed for the initial term of the CD; CD minimum opening deposit of $1,000 required
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 9 times
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
6536 E Hillsborough Ave, Tampa, FL 33610
12 Month Jumbo Certificate
$0
3.95%
▲ 0.73% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.22%▲ 0.73% above avgNationally 3.00%
Details
Rate Type: Fixed
Rate History
No change since Sep 18, 2026 · 3.95% APY · checked 7 times
GTE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.65%
711 E Henderson Ave, Tampa, FL 33602
12 Month Jumbo Share Certificate
$100,000
3.82%
▲ 0.60% above Florida avg
▼
Rate3.75%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Florida Average3.22%▲ 0.60% above avgNationally 3.00%
Details
Opening deposit of $100,000 or more; APY accurate as of 2/10/26
Rate History
No change since Sep 25, 2026 · 3.82% APY · checked 5 times
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
11707 N Dale Mabry Hwy, Tampa, FL 33618
1 Year Rising Rate CD
$500
3.75%
▲ 0.53% above Florida avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.22%▲ 0.53% above avgNationally 3.00%
Details
Table row 2 of 4 for 1 Year Rising Rate CD; Minimum to Obtain: $500
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 7 times
Seacoast National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
400 N Ashley Dr, Tampa, FL 33602
12-Month CD (Certificate of Deposit)
$1,000
3.75%
▲ 0.53% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.22%▲ 0.53% above avgNationally 3.00%
Details
Special APY applicable to initial term only; offer not available to funds currently on deposit at Seacoast Bank; APY accurate as of October 3, 2026; early withdrawal may be subject to penalty
Rate History
1 change since Sep 24, 2026 · 3.55% → 3.75% ▲ 0.20 pts · high 3.75% / low 3.55%
- Oct 14, 20263.75%▲ from 3.55%
- Sep 24, 20263.55%first recorded
Transport Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
8916 Sabal Industrial Blvd, Tampa, FL 33619
Share Certificate - 12 Months
$0
3.75%
▲ 0.53% above Florida avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.22%▲ 0.53% above avgNationally 3.00%
Details
Effective Date: Monday, October 19th, 2026
Rate History
No change since Oct 19, 2026 · 3.75% APY · checked 2 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
12 Month IRA CD
$0
3.70%
▲ 0.48% above Florida avg
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.22%▲ 0.48% above avgNationally 3.00%
Details
Balance: $100,000 minimum to earn interest; Call 800.593.2274 or visit a branch to open your CD
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 8 times
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
6536 E Hillsborough Ave, Tampa, FL 33610
12 Month Share Certificate
$0
3.70%
▲ 0.48% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.22%▲ 0.48% above avgNationally 3.00%
Details
Rate Type: Fixed
Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 7 times
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
6536 E Hillsborough Ave, Tampa, FL 33610
12 Month Smart Start Certificate
$0
3.70%
▲ 0.48% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.22%▲ 0.48% above avgNationally 3.00%
Details
Rate Type: Fixed
Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 7 times
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
6536 E Hillsborough Ave, Tampa, FL 33610
12 Month Youth Certificate
$0
3.70%
▲ 0.48% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.22%▲ 0.48% above avgNationally 3.00%
Details
Rate Type: Fixed
Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 7 times
Tampa Bay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.75%
3815 N Nebraska Ave, Tampa, FL 33603
12 Month Share Certificate
$0
3.70%
▲ 0.48% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.22%▲ 0.48% above avgNationally 3.00%
Details
Balance: $500-$49,999; Effective Date: Monday, October 19th, 2026
Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 5 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
12 month CD
$0
3.60%
▲ 0.38% above Florida avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.22%▲ 0.38% above avgNationally 3.00%
Details
Minimum balance to earn interest: $100,000; Call 800.593.2274 or visit a branch to open your CD and start saving today.
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 8 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
12 Month HSA CD
$0
3.60%
▲ 0.38% above Florida avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.22%▲ 0.38% above avgNationally 3.00%
Details
Minimum balance to earn interest: $100,000; Open by calling 800.593.2274 or visiting a branch
Rate History
No change since Sep 21, 2026 · 3.60% APY · checked 6 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
12 Month IRA CD
$0
3.60%
▲ 0.38% above Florida avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.22%▲ 0.38% above avgNationally 3.00%
Details
Balance: $25,000 minimum to earn interest; Call 800.593.2274 or visit a branch to open your CD
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 8 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
Business 12 month CD
$0
3.60%
▲ 0.38% above Florida avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.22%▲ 0.38% above avgNationally 3.00%
Details
Balance: Minimum Balance to Earn Interest $100,000
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 8 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
17635 Bruce B Downs Blvd, Tampa, FL 33647
12 Month IRA/HSA CD - VIP Bonus
$500
3.60%
▲ 0.38% above Florida avg
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.22%▲ 0.38% above avgNationally 3.00%
Details
VIP Relationship Reward Bonus; Rates as of 10/18/26
Rate History
No change since Oct 13, 2026 · 3.60% APY · checked 2 times
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3209 E Busch Blvd, Tampa, FL 33612 8737
Member Merits (Gold) 12 Month Certificate
$0
3.60%
▲ 0.38% above Florida avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.22%▲ 0.38% above avgNationally 3.00%
Details
Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances; Dividend Rate 3.54%
Rate History
No change since Oct 13, 2026 · 3.60% APY · checked 2 times
GTE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.65%
711 E Henderson Ave, Tampa, FL 33602
12 Month Share Certificate
$500
3.56%
▲ 0.34% above Florida avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Florida Average3.22%▲ 0.34% above avgNationally 3.00%
Details
Rate History
No change since Sep 25, 2026 · 3.56% APY · checked 4 times
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3209 E Busch Blvd, Tampa, FL 33612 8737
12 Month Certificate
$0
3.55%
▲ 0.33% above Florida avg
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.22%▲ 0.33% above avgNationally 3.00%
Details
APY accurate as of 09/22/2026; subject to penalty for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.60% → 3.55% ▼ 0.05 pts · high 3.60% / low 3.55%
- Sep 18, 20263.55%▼ from 3.60%
- Sep 14, 20263.60%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3209 E Busch Blvd, Tampa, FL 33612 8737
Business Certificate of Deposit - 12 Month Certificate
$0
3.55%
▲ 0.33% above Florida avg
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.22%▲ 0.33% above avgNationally 3.00%
Details
Business Certificate of Deposit; Min. Balance/Average Daily Balance $1,000; Subject to penalty for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
11707 N Dale Mabry Hwy, Tampa, FL 33618
1 Year Rising Rate CD
$500
3.50%
▲ 0.28% above Florida avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.22%▲ 0.28% above avgNationally 3.00%
Details
Table row 3 of 4 for 1 Year Rising Rate CD; Minimum to Obtain: $500
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 7 times
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
113 E Whiting St, Tampa, FL 33602
12-Month Fixed Rate CD
$0
3.50%
▲ 0.28% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.22%▲ 0.28% above avgNationally 3.00%
Details
Featured on Grow your savings your way section
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 3 times
Tampa Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
3501 Bessie Coleman Blvd, Tampa, FL 33630
12 Month IRA Certificate Account
$500
3.50%
▲ 0.28% above Florida avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Florida Average3.22%▲ 0.28% above avgNationally 3.00%
Details
Effective March 1, 2026; $500 minimum deposit and early withdrawal penalties may apply on certificate accounts
Rate History
No change since Oct 12, 2026 · 3.50% APY · checked 2 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
12 month CD
$0
3.50%
▲ 0.28% above Florida avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.22%▲ 0.28% above avgNationally 3.00%
Details
Minimum balance to earn interest: $25,000; Call 800.593.2274 or visit a branch to open your CD and start saving today.
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 8 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
12 Month HSA CD
$0
3.50%
▲ 0.28% above Florida avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.22%▲ 0.28% above avgNationally 3.00%
Details
Minimum balance to earn interest: $25,000; Open by calling 800.593.2274 or visiting a branch
Rate History
No change since Sep 21, 2026 · 3.50% APY · checked 6 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
12 Month IRA CD
$0
3.50%
▲ 0.28% above Florida avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.22%▲ 0.28% above avgNationally 3.00%
Details
Balance: $500 minimum to earn interest; Call 800.593.2274 or visit a branch to open your CD
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 8 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
Business 12 month CD
$0
3.50%
▲ 0.28% above Florida avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.22%▲ 0.28% above avgNationally 3.00%
Details
Balance: Minimum Balance to Earn Interest $25,000
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 8 times
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
10824 N Dale Mabry Hwy, Tampa, FL 33618
1 year Business Share Certificates
$0
3.50%
▲ 0.28% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.22%▲ 0.28% above avgNationally 3.00%
Details
Balance: $1,000 to $24,999
Rate History
No change since Oct 13, 2026 · 3.50% APY · checked 2 times
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
10824 N Dale Mabry Hwy, Tampa, FL 33618
1 Year Share Certificates
$0
3.50%
▲ 0.28% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.22%▲ 0.28% above avgNationally 3.00%
Details
Balance: $1,000 to $24,999
Rate History
No change since Oct 13, 2026 · 3.50% APY · checked 2 times
PowerNet Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
5619 Harney Rd, Tampa, FL 33610
12 Month Certificate
$500
3.50%
▲ 0.28% above Florida avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.22%▲ 0.28% above avgNationally 3.00%
Details
Share Certificates, Regular and IRA Accounts; Rates as of September 23, 2025; Early withdrawal penalties may apply
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 9 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
17635 Bruce B Downs Blvd, Tampa, FL 33647
12 Month CD - VIP Bonus
$0
3.45%
▲ 0.23% above Florida avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.22%▲ 0.23% above avgNationally 3.00%
Details
VIP Relationship Reward Bonus rate; where noted, CD rates include 0.25% MORE VIP Relationship Reward Bonus
Rate History
No change since Oct 13, 2026 · 3.45% APY · checked 2 times
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
7650 W Courtney Campbell Cswy Ste 900, Tampa, FL 33607
IRA 1 Year Certificate
$0
3.45%
▲ 0.23% above Florida avg
▼
Rate3.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.22%▲ 0.23% above avgNationally 3.00%
Details
Traditional, Roth & Coverdell Education; Rates Set: Monthly; Must have a Regular IRA Savings Account in order to open; penalty for early withdrawal
Rate History
No change since Oct 19, 2026 · 3.45% APY
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
12 month CD
$0
3.40%
▲ 0.18% above Florida avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.22%▲ 0.18% above avgNationally 3.00%
Details
Minimum balance to earn interest: $500; Call 800.593.2274 or visit a branch to open your CD and start saving today.
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 8 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
12 Month HSA CD
$0
3.40%
▲ 0.18% above Florida avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.22%▲ 0.18% above avgNationally 3.00%
Details
Minimum balance to earn interest: $500; Open by calling 800.593.2274 or visiting a branch
Rate History
No change since Sep 21, 2026 · 3.40% APY · checked 6 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
Business 12 month CD
$0
3.40%
▲ 0.18% above Florida avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.22%▲ 0.18% above avgNationally 3.00%
Details
Balance: Minimum Balance to Earn Interest $500
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 8 times
Tampa 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
6536 E Hillsborough Ave, Tampa, FL 33610
18 Month Jumbo Certificate
$0
4.50%
▲ 1.27% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.23%▲ 1.27% above avgNationally 2.88%
Details
Rate Type: Fixed
Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 7 times
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
6536 E Hillsborough Ave, Tampa, FL 33610
18 Month Share Certificate
$0
4.50%
▲ 1.27% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.23%▲ 1.27% above avgNationally 2.88%
Details
Rate Type: Fixed
Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 7 times
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
6536 E Hillsborough Ave, Tampa, FL 33610
18 Month Youth Certificate
$0
4.50%
▲ 1.27% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.23%▲ 1.27% above avgNationally 2.88%
Details
Rate Type: Fixed
Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 7 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
4530 S Dale Mabry Hwy, Tampa, FL 33611
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.15%
▲ 0.92% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.23%▲ 0.92% above avgNationally 2.88%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.15% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
4530 S Dale Mabry Hwy, Tampa, FL 33611
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.10%
▲ 0.87% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.23%▲ 0.87% above avgNationally 2.88%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.10% APY
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
18 Month IRA CD
$500
3.85%
▲ 0.62% above Florida avg
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.23%▲ 0.62% above avgNationally 2.88%
Details
Balance tier: Minimum Balance to Earn Interest $500
Rate History
No change since Sep 18, 2026 · 3.85% APY · checked 7 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
18 Month CD
$0
3.75%
▲ 0.52% above Florida avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.23%▲ 0.52% above avgNationally 2.88%
Details
Balance: $500 minimum to earn interest
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 7 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
Business 18 month CD
$0
3.75%
▲ 0.52% above Florida avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.23%▲ 0.52% above avgNationally 2.88%
Details
Balance: $500 minimum to earn interest
Rate History
No change since Sep 21, 2026 · 3.75% APY · checked 6 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
4530 S Dale Mabry Hwy, Tampa, FL 33611
18 Month ESA EasyStart Certificate
$50
3.70%
▲ 0.47% above Florida avg
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.23%▲ 0.47% above avgNationally 2.88%
Details
Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)
Rate History
No change since Oct 6, 2026 · 3.70% APY · checked 3 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
17635 Bruce B Downs Blvd, Tampa, FL 33647
18 Month IRA/HSA CD - VIP Bonus
$500
3.65%
▲ 0.42% above Florida avg
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.23%▲ 0.42% above avgNationally 2.88%
Details
VIP Relationship Reward Bonus; Rates as of 10/18/26
Rate History
No change since Oct 13, 2026 · 3.65% APY · checked 2 times
GTE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.65%
711 E Henderson Ave, Tampa, FL 33602
18 Month Jumbo Share Certificate
$100,000
3.56%
▲ 0.33% above Florida avg
▼
Rate3.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Florida Average3.23%▲ 0.33% above avgNationally 2.88%
Details
Opening deposit of $100,000 or more; APY accurate as of 2/10/26
Rate History
No change since Sep 25, 2026 · 3.56% APY · checked 5 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
17635 Bruce B Downs Blvd, Tampa, FL 33647
18 Month CD - VIP Bonus
$0
3.50%
▲ 0.27% above Florida avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.23%▲ 0.27% above avgNationally 2.88%
Details
VIP Relationship Reward Bonus rate; where noted, CD rates include 0.25% MORE VIP Relationship Reward Bonus
Rate History
No change since Oct 13, 2026 · 3.50% APY · checked 2 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
17635 Bruce B Downs Blvd, Tampa, FL 33647
18 Month IRA/HSA CD
$500
3.40%
▲ 0.17% above Florida avg
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.23%▲ 0.17% above avgNationally 2.88%
Details
Rates as of 10/18/26
Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 7 times
GTE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.65%
711 E Henderson Ave, Tampa, FL 33602
18 Month Share Certificate
$500
3.30%
▲ 0.07% above Florida avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Florida Average3.23%▲ 0.07% above avgNationally 2.88%
Details
Rate History
No change since Sep 25, 2026 · 3.30% APY · checked 4 times
Trax Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
3710 N 50th St, Tampa, FL 33619
18 Month IRA Jumbo Certificate
$100,000
3.30%
▲ 0.07% above Florida avg
▼
Rate3.25%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.23%▲ 0.07% above avgNationally 2.88%
Details
Compounded daily. Penalty for early withdrawal.
Rate History
No change since Oct 9, 2026 · 3.30% APY · checked 3 times
Trax Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
3710 N 50th St, Tampa, FL 33619
18 Month Jumbo Share Certificate
$100,000
3.30%
▲ 0.07% above Florida avg
▼
Rate3.25%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.23%▲ 0.07% above avgNationally 2.88%
Details
Compounded daily. Penalty for early withdrawal.
Rate History
No change since Oct 9, 2026 · 3.30% APY · checked 3 times
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3209 E Busch Blvd, Tampa, FL 33612 8737
Member Merits (Gold) 18 Month Certificate
$0
3.30%
▲ 0.07% above Florida avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.23%▲ 0.07% above avgNationally 2.88%
Details
Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances; Dividend Rate 3.25%
Rate History
No change since Oct 13, 2026 · 3.30% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
1300 N West Shore Blvd, Tampa, FL 33607
18 Month CD
$0
3.25%
▲ 0.02% above Florida avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.23%▲ 0.02% above avgNationally 2.88%
Details
Rate History
No change since Oct 7, 2026 · 3.25% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
1300 N West Shore Blvd, Tampa, FL 33607
18 Month Certificate of Deposit
$1,000
3.25%
▲ 0.02% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.23%▲ 0.02% above avgNationally 2.88%
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Rate History
No change since Oct 7, 2026 · 3.25% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
1300 N West Shore Blvd, Tampa, FL 33607
18-Month IRA
$1,000
3.25%
▲ 0.02% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.23%▲ 0.02% above avgNationally 2.88%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
No change since Oct 7, 2026 · 3.25% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
1300 N West Shore Blvd, Tampa, FL 33607
IRA - Individual Retirement Accounts 18-Month
$1,000
3.25%
▲ 0.02% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.23%▲ 0.02% above avgNationally 2.88%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
1 change since Sep 14, 2026 · 2.65% → 3.25% ▲ 0.60 pts · high 3.25% / low 2.65%
- Oct 7, 20263.25%▲ from 2.65%
- Sep 14, 20262.65%first recorded
Tampa Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
3501 Bessie Coleman Blvd, Tampa, FL 33630
18 Month Share Certificate Account
$500
3.25%
▲ 0.02% above Florida avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Florida Average3.23%▲ 0.02% above avgNationally 2.88%
Details
Effective March 1, 2026; $500 minimum deposit and early withdrawal penalties may apply on certificate accounts
Rate History
No change since Oct 12, 2026 · 3.25% APY · checked 2 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
17635 Bruce B Downs Blvd, Tampa, FL 33647
18 Month CD
$0
3.25%
▲ 0.02% above Florida avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.23%▲ 0.02% above avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 7 times
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3209 E Busch Blvd, Tampa, FL 33612 8737
18 Month Certificate
$0
3.25%
▲ 0.02% above Florida avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.23%▲ 0.02% above avgNationally 2.88%
Details
APY accurate as of 09/22/2026; subject to penalty for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.30% → 3.25% ▼ 0.05 pts · high 3.30% / low 3.25%
- Sep 18, 20263.25%▼ from 3.30%
- Sep 14, 20263.30%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3209 E Busch Blvd, Tampa, FL 33612 8737
Business Certificate of Deposit - 18 Month Certificate
$0
3.25%
▲ 0.02% above Florida avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.23%▲ 0.02% above avgNationally 2.88%
Details
Business Certificate of Deposit; Min. Balance/Average Daily Balance $1,000; Subject to penalty for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
Trax Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
3710 N 50th St, Tampa, FL 33619
18 Month IRA Certificate
$500
3.10%
▼ 0.13% below Florida avg
▼
Rate3.06%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.23%▼ 0.13% below avgNationally 2.88%
Details
Compounded daily. Penalty for early withdrawal.
Rate History
No change since Oct 9, 2026 · 3.10% APY · checked 3 times
Trax Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
3710 N 50th St, Tampa, FL 33619
18 Month Share Certificate
$500
3.10%
▼ 0.13% below Florida avg
▼
Rate3.06%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.23%▼ 0.13% below avgNationally 2.88%
Details
Compounded daily. Penalty for early withdrawal.
Rate History
No change since Oct 9, 2026 · 3.10% APY · checked 3 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
327 N Dale Mabry Hwy, Tampa, FL 33609
18-Month Term CD
$1,000
2.75%
▼ 0.48% below Florida avg
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.23%▼ 0.48% below avgNationally 2.88%
Details
Rate History
No change since Oct 19, 2026 · 2.75% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
327 N Dale Mabry Hwy, Tampa, FL 33609
Term CD - 18-Month
$1,000
2.75%
▼ 0.48% below Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.23%▼ 0.48% below avgNationally 2.88%
Details
Minimum of $1,000 to open your account; 18-Month CD renews as a 2-Year Term CD at the then-published APY
Rate History
No change since Oct 19, 2026 · 2.75% APY
Amerant Bank
Institution Rating:
B+4.7 ★Texas Ratio: 18.65%
4830 W Kennedy Blvd Ste 105, Tampa, FL 33609
18 Month Certificates of Deposit
$0
2.50%
▼ 0.73% below Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.23%▼ 0.73% below avgNationally 2.88%
Details
FL only; banking center minimum $10,000, online minimum $500
Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 5 times
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
3202 W Waters Ave, Tampa, FL 33614
IRA Certificate - 18 Month
$1,000
2.00%
▼ 1.23% below Florida avg
▼
Rate1.98%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.23%▼ 1.23% below avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 2 times
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
3202 W Waters Ave, Tampa, FL 33614
Regular Certificates - 18 Month
$1,000
2.00%
▼ 1.23% below Florida avg
▼
Rate1.98%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.23%▼ 1.23% below avgNationally 2.88%
Details
Rate History
No change since Oct 14, 2026 · 2.00% APY · checked 2 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
2307 W Kennedy Blvd, Tampa, FL 33609
Non-Promotional TD Choice CD - 18 Month
$0
1.00%
▼ 2.23% below Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.23%▼ 2.23% below avgNationally 2.88%
Details
Balance: $250.00 - $9,999.99
Rate History
No change since Oct 14, 2026 · 1.00% APY
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
2307 W Kennedy Blvd, Tampa, FL 33609
TD Choice CD 18 Month
$250
1.00%
▼ 2.23% below Florida avg
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.23%▼ 2.23% below avgNationally 2.88%
Details
Non-Promotional; Balance: $250.00 - $9,999.99
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
501 E Kennedy Blvd, Tampa, FL 33602
18 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.48% below Florida avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.23%▼ 2.48% below avgNationally 2.88%
Details
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
501 E Kennedy Blvd, Tampa, FL 33602
18 Month Standard CD
$1,000
0.75%
▼ 2.48% below Florida avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.23%▼ 2.48% below avgNationally 2.88%
Details
Balance: up to $100,000; Rates for ZIP code 60603
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
FLC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
4830 W Kennedy Blvd, Tampa, FL 33609
Business 18-Month
$0
0.35%
▼ 2.88% below Florida avg
▼
Rate0.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.23%▼ 2.88% below avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 6 times
Florida Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
3333 Henderson Blvd, Tampa, FL 33609 2955
18 Month Share Certificates - Regular and IRA
$0
0.26%
▼ 2.97% below Florida avg
▼
Rate0.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.23%▼ 2.97% below avgNationally 2.88%
Details
Rate History
No change since Sep 22, 2026 · 0.26% APY · checked 3 times
Florida Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
3333 Henderson Blvd, Tampa, FL 33609 2955
Share Certificate - Regular and IRA 18 Months
$0
0.26%
▼ 2.97% below Florida avg
▼
Rate0.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.23%▼ 2.97% below avgNationally 2.88%
Details
Regular and IRA
Rate History
No change since Sep 22, 2026 · 0.26% APY · checked 3 times
Century Bank of Florida
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
716 W Fletcher Ave, Tampa, FL 33612
18 Month IRA Certificate of Deposit
$0
0.20%
▼ 3.03% below Florida avg
▼
Rate0.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.23%▼ 3.03% below avgNationally 2.88%
Details
Compounding: Quarterly
Rate History
No change since Oct 14, 2026 · 0.20% APY
Century Bank of Florida
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
716 W Fletcher Ave, Tampa, FL 33612
Certificates of Deposit - 18 Months
$500
0.20%
▼ 3.03% below Florida avg
▼
Rate0.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.23%▼ 3.03% below avgNationally 2.88%
Details
Compounding: Monthly
Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 8 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
401 E Jackson St, Tampa, FL 33602
18 Month CD
$1,000
0.05%
▼ 3.18% below Florida avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Florida Average3.23%▼ 3.18% below avgNationally 2.88%
Details
Standard rate; Truist offers any term from 7 days to 60 months at this rate, all balance tiers; rates accurate as of 5/12/2026
Rate History
No change since Oct 15, 2026 · 0.05% APY
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
8351 N Dale Mabry Hwy, Tampa, FL 33614
18 Month Certificate of Deposit
$0
0.03%
▼ 3.20% below Florida avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.23%▼ 3.20% below avgNationally 2.88%
Details
Balance: $25,000.00 and above; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
8351 N Dale Mabry Hwy, Tampa, FL 33614
IRA CD - 18 Months
$250
0.03%
▼ 3.20% below Florida avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.23%▼ 3.20% below avgNationally 2.88%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
8351 N Dale Mabry Hwy, Tampa, FL 33614
18 Month Certificate of Deposit
$0
0.02%
▼ 3.21% below Florida avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.23%▼ 3.21% below avgNationally 2.88%
Details
Balance: $1,000.00 - $24,999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
8351 N Dale Mabry Hwy, Tampa, FL 33614
IRA CD - 18 Months
$250
0.02%
▼ 3.21% below Florida avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.23%▼ 3.21% below avgNationally 2.88%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 2 times
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
327 N Dale Mabry Hwy, Tampa, FL 33609
18 Month Certificate of Deposit
$500
0.02%
▼ 3.21% below Florida avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.23%▼ 3.21% below avgNationally 2.88%
Details
CD yields may vary depending on your area. Contact your local branch for details.
Rate History
No change since Sep 18, 2026 · 0.02% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
8351 N Dale Mabry Hwy, Tampa, FL 33614
18 Month Certificate of Deposit
$0
0.01%
▼ 3.22% below Florida avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.23%▼ 3.22% below avgNationally 2.88%
Details
Balance: $1.00 - $999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
8351 N Dale Mabry Hwy, Tampa, FL 33614
IRA CD - 18 Months
$250
0.01%
▼ 3.22% below Florida avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.23%▼ 3.22% below avgNationally 2.88%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 2 times
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
18 Month Certificate of Deposit
$1,000
4.85%
▲ 1.62% above Florida avg
▼
Rate4.74%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.23%▲ 1.62% above avgNationally 2.88%
Details
Minimum opening deposit $2,000 if purchased through Raymond James brokerage account; Rates effective October 9, 2026
Rate History
3 changes since Sep 18, 2026 · 4.55% → 4.85% ▲ 0.30 pts · high 4.90% / low 4.55%
- Oct 14, 20264.85%▼ from 4.90%
- Oct 7, 20264.90%▲ from 4.65%
- Sep 27, 20264.65%▲ from 4.55%
- Sep 18, 20264.55%first recorded
Tampa 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
10824 N Dale Mabry Hwy, Tampa, FL 33618
2 year Business Share Certificates
$0
4.40%
▲ 1.23% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.17%▲ 1.23% above avgNationally 2.90%
Details
Balance: $1,000 to $24,999
Rate History
No change since Oct 13, 2026 · 4.40% APY · checked 2 times
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
10824 N Dale Mabry Hwy, Tampa, FL 33618
2 year Share Certificates
$1,000
4.40%
▲ 1.23% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.17%▲ 1.23% above avgNationally 2.90%
Details
Balance: $1,000 to $24,999; Tier 1; Dividends compounded and paid quarterly
Rate History
No change since Oct 13, 2026 · 4.40% APY · checked 2 times
Hancock Whitney Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
2202 N West Shore Blvd, Tampa, FL 33607
24-Month Certificate of Deposit
$0
4.25%
▲ 1.08% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.17%▲ 1.08% above avgNationally 2.90%
Details
Guaranteed rate of return on a Certificate of Deposit
Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 3 times
Transport Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
8916 Sabal Industrial Blvd, Tampa, FL 33619
24 Month Jumbo Certificates
$100,000
4.06%
▲ 0.89% above Florida avg
▼
Rate4.00%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.17%▲ 0.89% above avgNationally 2.90%
Details
Jumbo Certificate rates require a $100,000.00 minimum deposit.
Rate History
No change since Oct 10, 2026 · 4.06% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
1300 N West Shore Blvd, Tampa, FL 33607
24 Month CD
$0
4.00%
▲ 0.83% above Florida avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.17%▲ 0.83% above avgNationally 2.90%
Details
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
1300 N West Shore Blvd, Tampa, FL 33607
24 Month Certificate of Deposit
$1,000
4.00%
▲ 0.83% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.17%▲ 0.83% above avgNationally 2.90%
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
1300 N West Shore Blvd, Tampa, FL 33607
24-Month IRA
$1,000
4.00%
▲ 0.83% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.17%▲ 0.83% above avgNationally 2.90%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
1300 N West Shore Blvd, Tampa, FL 33607
IRA - Individual Retirement Accounts 24-Month
$1,000
4.00%
▲ 0.83% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.17%▲ 0.83% above avgNationally 2.90%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Oct 7, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
6536 E Hillsborough Ave, Tampa, FL 33610
24 Month Jumbo Certificate
$0
4.00%
▲ 0.83% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.17%▲ 0.83% above avgNationally 2.90%
Details
Rate Type: Fixed
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 7 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
24 Month IRA CD
$500
3.85%
▲ 0.68% above Florida avg
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.17%▲ 0.68% above avgNationally 2.90%
Details
Balance: $500 minimum to earn interest; Minimum opening balance of $500 required for all CD products
Rate History
No change since Sep 18, 2026 · 3.85% APY · checked 7 times
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
3020 Melburne Blvd, Tampa, FL 33605
24 Month Certificate
$1,000
3.82%
▲ 0.65% above Florida avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.17%▲ 0.65% above avgNationally 2.90%
Details
Effective Date: Monday, October 19th, 2026
Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 10 times
Transport Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
8916 Sabal Industrial Blvd, Tampa, FL 33619
Share Certificate - 24 Months
$0
3.80%
▲ 0.63% above Florida avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.17%▲ 0.63% above avgNationally 2.90%
Details
Effective Date: Monday, October 19th, 2026
Rate History
No change since Oct 19, 2026 · 3.80% APY · checked 2 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
24 month CD
$500
3.75%
▲ 0.58% above Florida avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.17%▲ 0.58% above avgNationally 2.90%
Details
Minimum Balance to Earn Interest: $500
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 7 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
Business 24 month CD
$0
3.75%
▲ 0.58% above Florida avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.17%▲ 0.58% above avgNationally 2.90%
Details
Balance: $500 minimum to earn interest
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 7 times
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
6536 E Hillsborough Ave, Tampa, FL 33610
24 Month Share Certificate
$0
3.75%
▲ 0.58% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.17%▲ 0.58% above avgNationally 2.90%
Details
Rate Type: Fixed
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 7 times
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
6536 E Hillsborough Ave, Tampa, FL 33610
24 Month Youth Certificate
$0
3.75%
▲ 0.58% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.17%▲ 0.58% above avgNationally 2.90%
Details
Rate Type: Fixed
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 7 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
4530 S Dale Mabry Hwy, Tampa, FL 33611
Short-Term Certificate (Share, IRA, ESA) - 24 Months
$0
3.70%
▲ 0.53% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.17%▲ 0.53% above avgNationally 2.90%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 3.70% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
4530 S Dale Mabry Hwy, Tampa, FL 33611
Short-Term Certificate (Share, IRA, ESA) - 24 Months
$0
3.66%
▲ 0.49% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.17%▲ 0.49% above avgNationally 2.90%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 3.66% APY
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
17635 Bruce B Downs Blvd, Tampa, FL 33647
24 Month IRA/HSA CD - VIP Bonus
$500
3.65%
▲ 0.48% above Florida avg
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.17%▲ 0.48% above avgNationally 2.90%
Details
VIP Relationship Reward Bonus; Rates as of 10/18/26
Rate History
No change since Oct 13, 2026 · 3.65% APY · checked 2 times
GTE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.65%
711 E Henderson Ave, Tampa, FL 33602
24 Month Jumbo Share Certificate
$100,000
3.61%
▲ 0.44% above Florida avg
▼
Rate3.55%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Florida Average3.17%▲ 0.44% above avgNationally 2.90%
Details
Opening deposit of $100,000 or more; APY accurate as of 2/10/26
Rate History
No change since Sep 25, 2026 · 3.61% APY · checked 5 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
4530 S Dale Mabry Hwy, Tampa, FL 33611
24 Month ESA EasyStart Certificate
$50
3.60%
▲ 0.43% above Florida avg
▼
Rate3.54%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.17%▲ 0.43% above avgNationally 2.90%
Details
Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)
Rate History
No change since Oct 6, 2026 · 3.60% APY · checked 3 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
17635 Bruce B Downs Blvd, Tampa, FL 33647
24 Month CD - VIP Bonus
$0
3.50%
▲ 0.33% above Florida avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.17%▲ 0.33% above avgNationally 2.90%
Details
VIP Relationship Reward Bonus rate; where noted, CD rates include 0.25% MORE VIP Relationship Reward Bonus
Rate History
No change since Oct 13, 2026 · 3.50% APY · checked 2 times
Tampa Bay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.75%
3815 N Nebraska Ave, Tampa, FL 33603
24 Month Share Certificate
$0
3.50%
▲ 0.33% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.17%▲ 0.33% above avgNationally 2.90%
Details
Balance: $500-$49,999; Effective Date: Monday, October 19th, 2026
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 5 times
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
7650 W Courtney Campbell Cswy Ste 900, Tampa, FL 33607
IRA 2 Years Certificate
$0
3.50%
▲ 0.33% above Florida avg
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.17%▲ 0.33% above avgNationally 2.90%
Details
Traditional, Roth & Coverdell Education; Rates Set: Monthly; Must have a Regular IRA Savings Account in order to open; penalty for early withdrawal
Rate History
No change since Oct 19, 2026 · 3.50% APY
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
17635 Bruce B Downs Blvd, Tampa, FL 33647
24 Month IRA/HSA CD
$500
3.40%
▲ 0.23% above Florida avg
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.17%▲ 0.23% above avgNationally 2.90%
Details
Rates as of 10/18/26
Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 7 times
PowerNet Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
5619 Harney Rd, Tampa, FL 33610
24 Month Certificate
$500
3.40%
▲ 0.23% above Florida avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.17%▲ 0.23% above avgNationally 2.90%
Details
Share Certificates, Regular and IRA Accounts; Rates as of September 23, 2025; Early withdrawal penalties may apply
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 9 times
GTE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.65%
711 E Henderson Ave, Tampa, FL 33602
24 Month Share Certificate
$500
3.35%
▲ 0.18% above Florida avg
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Florida Average3.17%▲ 0.18% above avgNationally 2.90%
Details
Rate History
No change since Sep 25, 2026 · 3.35% APY · checked 4 times
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3209 E Busch Blvd, Tampa, FL 33612 8737
Member Merits (Gold) 24 Month Certificate
$0
3.30%
▲ 0.13% above Florida avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.17%▲ 0.13% above avgNationally 2.90%
Details
Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances; Dividend Rate 3.25%
Rate History
No change since Oct 13, 2026 · 3.30% APY · checked 2 times
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
7650 W Courtney Campbell Cswy Ste 900, Tampa, FL 33607
2 Year MISCA Certificate
$10,000
3.30%
▲ 0.13% above Florida avg
▼
Rate3.25%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.17%▲ 0.13% above avgNationally 2.90%
Details
$500,000 Maximum Deposit; Rates Set: Monthly; A penalty will be imposed for early withdrawal, which will reduce the earnings on the account.
Rate History
No change since Oct 19, 2026 · 3.30% APY
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
113 E Whiting St, Tampa, FL 33602
24-Month Fixed Rate CD
$0
3.25%
▲ 0.08% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.17%▲ 0.08% above avgNationally 2.90%
Details
Featured on Grow your savings your way section
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 3 times
Tampa Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
3501 Bessie Coleman Blvd, Tampa, FL 33630
24 Month IRA Certificate Account
$500
3.25%
▲ 0.08% above Florida avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Florida Average3.17%▲ 0.08% above avgNationally 2.90%
Details
Effective March 1, 2026; $500 minimum deposit and early withdrawal penalties may apply on certificate accounts
Rate History
No change since Oct 12, 2026 · 3.25% APY · checked 2 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
17635 Bruce B Downs Blvd, Tampa, FL 33647
24 Month CD
$0
3.25%
▲ 0.08% above Florida avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.17%▲ 0.08% above avgNationally 2.90%
Details
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 7 times
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3209 E Busch Blvd, Tampa, FL 33612 8737
24 Month Certificate
$0
3.25%
▲ 0.08% above Florida avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.17%▲ 0.08% above avgNationally 2.90%
Details
APY accurate as of 09/22/2026; subject to penalty for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.30% → 3.25% ▼ 0.05 pts · high 3.30% / low 3.25%
- Sep 18, 20263.25%▼ from 3.30%
- Sep 14, 20263.30%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3209 E Busch Blvd, Tampa, FL 33612 8737
Business Certificate of Deposit - 24 Month Certificate
$0
3.25%
▲ 0.08% above Florida avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.17%▲ 0.08% above avgNationally 2.90%
Details
Business Certificate of Deposit; Min. Balance/Average Daily Balance $1,000; Subject to penalty for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
Trax Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
3710 N 50th St, Tampa, FL 33619
2 Year IRA Jumbo Certificate
$100,000
3.20%
▲ 0.03% above Florida avg
▼
Rate3.15%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.17%▲ 0.03% above avgNationally 2.90%
Details
Compounded daily. Penalty for early withdrawal.
Rate History
No change since Oct 9, 2026 · 3.20% APY · checked 3 times
Trax Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
3710 N 50th St, Tampa, FL 33619
2 Year Jumbo Share Certificate
$100,000
3.20%
▲ 0.03% above Florida avg
▼
Rate3.15%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.17%▲ 0.03% above avgNationally 2.90%
Details
Compounded daily. Penalty for early withdrawal.
Rate History
No change since Oct 9, 2026 · 3.20% APY · checked 3 times
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
7650 W Courtney Campbell Cswy Ste 900, Tampa, FL 33607
Share Certificates - 2 Years
$0
3.20%
▲ 0.03% above Florida avg
▼
Rate3.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.17%▲ 0.03% above avgNationally 2.90%
Details
Dividend rate 3.162%; Rates Set: Monthly; early withdrawal penalty applies
Rate History
No change since Oct 19, 2026 · 3.20% APY
Tampa Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
3501 Bessie Coleman Blvd, Tampa, FL 33630
24 Month Share Certificate Account
$500
3.00%
▼ 0.17% below Florida avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Florida Average3.17%▼ 0.17% below avgNationally 2.90%
Details
Effective March 1, 2026; $500 minimum deposit and early withdrawal penalties may apply on certificate accounts
Rate History
No change since Oct 12, 2026 · 3.00% APY · checked 2 times
Trax Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
3710 N 50th St, Tampa, FL 33619
2 Year IRA Certificate
$500
3.00%
▼ 0.17% below Florida avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.17%▼ 0.17% below avgNationally 2.90%
Details
Compounded daily. Penalty for early withdrawal.
Rate History
No change since Oct 9, 2026 · 3.00% APY · checked 3 times
Trax Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
3710 N 50th St, Tampa, FL 33619
2 Year Share Certificate
$500
3.00%
▼ 0.17% below Florida avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.17%▼ 0.17% below avgNationally 2.90%
Details
Compounded daily. Penalty for early withdrawal.
Rate History
No change since Oct 9, 2026 · 3.00% APY · checked 3 times
Florida Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
3333 Henderson Blvd, Tampa, FL 33609 2955
24 Month Share Certificates - Regular and IRA
$0
2.75%
▼ 0.42% below Florida avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.17%▼ 0.42% below avgNationally 2.90%
Details
Rate History
No change since Sep 22, 2026 · 2.75% APY · checked 3 times
Florida Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
3333 Henderson Blvd, Tampa, FL 33609 2955
Share Certificate - Regular and IRA 24 Months
$0
2.75%
▼ 0.42% below Florida avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.17%▼ 0.42% below avgNationally 2.90%
Details
Regular and IRA
Rate History
No change since Sep 22, 2026 · 2.75% APY · checked 3 times
Amerant Bank
Institution Rating:
B+4.7 ★Texas Ratio: 18.65%
4830 W Kennedy Blvd Ste 105, Tampa, FL 33609
24 Month Certificates of Deposit
$0
2.50%
▼ 0.67% below Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.17%▼ 0.67% below avgNationally 2.90%
Details
FL only; banking center minimum $10,000, online minimum $500
Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 5 times
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
3202 W Waters Ave, Tampa, FL 33614
IRA Certificate - 24 Month
$1,000
2.25%
▼ 0.92% below Florida avg
▼
Rate2.23%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.17%▼ 0.92% below avgNationally 2.90%
Details
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 2 times
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
3202 W Waters Ave, Tampa, FL 33614
Regular Certificates - 24 Month
$1,000
2.25%
▼ 0.92% below Florida avg
▼
Rate2.23%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.17%▼ 0.92% below avgNationally 2.90%
Details
Rate History
No change since Oct 14, 2026 · 2.25% APY · checked 2 times
INB National Association
Institution Rating:
A5.0 ★Texas Ratio: 9.74%
2222 West Swann Avenue, Tampa, FL 33606
CD (2 year)
$1,000
1.55%
▼ 1.62% below Florida avg
▼
Rate1.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.17%▼ 1.62% below avgNationally 2.90%
Details
Balance: $100,000.00 and over; Minimum Balance to Obtain Annual Percentage Yield: $1,000
Rate History
No change since Oct 7, 2026 · 1.55% APY · checked 3 times
INB National Association
Institution Rating:
A5.0 ★Texas Ratio: 9.74%
2222 West Swann Avenue, Tampa, FL 33606
CD (2 year)
$1,000
1.45%
▼ 1.72% below Florida avg
▼
Rate1.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.17%▼ 1.72% below avgNationally 2.90%
Details
Balance: Under $100,000.00; Minimum Balance to Obtain Annual Percentage Yield: $1,000
Rate History
No change since Oct 7, 2026 · 1.45% APY · checked 3 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
2307 W Kennedy Blvd, Tampa, FL 33609
TD Choice CD 24 Month
$250
1.00%
▼ 2.17% below Florida avg
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.17%▼ 2.17% below avgNationally 2.90%
Details
Non-Promotional; Balance: $250.00 - $9,999.99
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
501 E Kennedy Blvd, Tampa, FL 33602
24 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.42% below Florida avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.17%▼ 2.42% below avgNationally 2.90%
Details
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
501 E Kennedy Blvd, Tampa, FL 33602
24 Month Standard CD
$1,000
0.75%
▼ 2.42% below Florida avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.17%▼ 2.42% below avgNationally 2.90%
Details
Balance: up to $100,000; Rates for ZIP code 60603
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
Tampa 36 Month CD Rates
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: 2.32%
11707 N Dale Mabry Hwy, Tampa, FL 33618
36 Month Bonus CD
$0
4.50%
▲ 1.48% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.02%▲ 1.48% above avgNationally 2.82%
Details
Bonus CD; Minimum to Obtain: $500
Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 5 times
Transport Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
8916 Sabal Industrial Blvd, Tampa, FL 33619
36 Month Jumbo Certificates
$100,000
4.32%
▲ 1.30% above Florida avg
▼
Rate4.25%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.02%▲ 1.30% above avgNationally 2.82%
Details
Jumbo Certificate rates require a $100,000.00 minimum deposit.
Rate History
No change since Oct 10, 2026 · 4.32% APY · checked 2 times
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
6536 E Hillsborough Ave, Tampa, FL 33610
36 Month Jumbo Certificate
$0
4.25%
▲ 1.23% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.02%▲ 1.23% above avgNationally 2.82%
Details
Rate Type: Fixed
Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 7 times
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
6536 E Hillsborough Ave, Tampa, FL 33610
36 Month Share Certificate
$0
4.25%
▲ 1.23% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.02%▲ 1.23% above avgNationally 2.82%
Details
Rate Type: Fixed
Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 7 times
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
6536 E Hillsborough Ave, Tampa, FL 33610
36 Month Youth Certificate
$0
4.25%
▲ 1.23% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.02%▲ 1.23% above avgNationally 2.82%
Details
Rate Type: Fixed
Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 7 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
4530 S Dale Mabry Hwy, Tampa, FL 33611
3 Year ESA Long-Term Certificate
$0
4.15%
▲ 1.13% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.02%▲ 1.13% above avgNationally 2.82%
Details
Balance: $100K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 4 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
1300 N West Shore Blvd, Tampa, FL 33607
36 Month CD
$0
4.15%
▲ 1.13% above Florida avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.02%▲ 1.13% above avgNationally 2.82%
Details
Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
1300 N West Shore Blvd, Tampa, FL 33607
36 Month Certificate of Deposit
$1,000
4.15%
▲ 1.13% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.02%▲ 1.13% above avgNationally 2.82%
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
1300 N West Shore Blvd, Tampa, FL 33607
36-Month IRA
$1,000
4.15%
▲ 1.13% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.02%▲ 1.13% above avgNationally 2.82%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
1300 N West Shore Blvd, Tampa, FL 33607
IRA - Individual Retirement Accounts 36-Month
$1,000
4.15%
▲ 1.13% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.02%▲ 1.13% above avgNationally 2.82%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
- Oct 7, 20264.15%▲ from 3.75%
- Sep 14, 20263.75%first recorded
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
7650 W Courtney Campbell Cswy Ste 900, Tampa, FL 33607
Young Saver's Certificates - 3 Years Add-On
$0
4.15%
▲ 1.13% above Florida avg
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.02%▲ 1.13% above avgNationally 2.82%
Details
Balance: $1.00 - $3,000.00; Rates set monthly; Add funds at any time throughout the certificate term up to $3,000; Limit one per member under 18 years of age; Early withdrawal penalty applies
Rate History
No change since Oct 14, 2026 · 4.15% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
4530 S Dale Mabry Hwy, Tampa, FL 33611
3 Year ESA Long-Term Certificate
$0
4.10%
▲ 1.08% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.02%▲ 1.08% above avgNationally 2.82%
Details
Balance: $1K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 4 times
Transport Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
8916 Sabal Industrial Blvd, Tampa, FL 33619
Share Certificate - 36 Months
$0
4.06%
▲ 1.04% above Florida avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.02%▲ 1.04% above avgNationally 2.82%
Details
Effective Date: Monday, October 19th, 2026
Rate History
No change since Oct 19, 2026 · 4.06% APY · checked 2 times
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
11707 N Dale Mabry Hwy, Tampa, FL 33618
3 Year Rising Rate CD
$500
4.00%
▲ 0.98% above Florida avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.02%▲ 0.98% above avgNationally 2.82%
Details
Table row 1 of 3 for 3 Year Rising Rate CD; Minimum to Obtain: $500
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 7 times
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
11707 N Dale Mabry Hwy, Tampa, FL 33618
36 Month Bonus CD
$0
4.00%
▲ 0.98% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.02%▲ 0.98% above avgNationally 2.82%
Details
Bonus CD; Minimum to Obtain: $500
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
3202 W Waters Ave, Tampa, FL 33614
36 Month Current CD Special
$1,000
4.00%
▲ 0.98% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.02%▲ 0.98% above avgNationally 2.82%
Details
Advertised APY for 36-month CD; penalties may apply for early withdrawal
Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
17635 Bruce B Downs Blvd, Tampa, FL 33647
36 Month IRA/HSA CD - VIP Bonus
$500
3.75%
▲ 0.73% above Florida avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.02%▲ 0.73% above avgNationally 2.82%
Details
VIP Relationship Reward Bonus; Rates as of 10/18/26
Rate History
No change since Oct 13, 2026 · 3.75% APY · checked 2 times
GTE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.65%
711 E Henderson Ave, Tampa, FL 33602
36 Month Jumbo Share Certificate
$100,000
3.71%
▲ 0.69% above Florida avg
▼
Rate3.65%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Florida Average3.02%▲ 0.69% above avgNationally 2.82%
Details
Opening deposit of $100,000 or more; APY accurate as of 2/10/26
Rate History
No change since Sep 25, 2026 · 3.71% APY · checked 5 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
36 Month IRA CD
$0
3.65%
▲ 0.63% above Florida avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.02%▲ 0.63% above avgNationally 2.82%
Details
Minimum balance to earn interest: $100,000
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 8 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
36 Month IRA CD
$0
3.60%
▲ 0.58% above Florida avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.02%▲ 0.58% above avgNationally 2.82%
Details
Minimum balance to earn interest: $25,000
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 8 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
17635 Bruce B Downs Blvd, Tampa, FL 33647
36 Month CD - VIP Bonus
$0
3.60%
▲ 0.58% above Florida avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.02%▲ 0.58% above avgNationally 2.82%
Details
VIP Relationship Reward Bonus rate; where noted, CD rates include 0.25% MORE VIP Relationship Reward Bonus
Rate History
No change since Oct 13, 2026 · 3.60% APY · checked 2 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
36 Month CD
$500
3.55%
▲ 0.53% above Florida avg
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.02%▲ 0.53% above avgNationally 2.82%
Details
Minimum balance to earn interest: $100,000
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 8 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
36 Month IRA CD
$0
3.55%
▲ 0.53% above Florida avg
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.02%▲ 0.53% above avgNationally 2.82%
Details
Minimum balance to earn interest: $500
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 8 times
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
11707 N Dale Mabry Hwy, Tampa, FL 33618
3 Year Rising Rate CD
$500
3.50%
▲ 0.48% above Florida avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.02%▲ 0.48% above avgNationally 2.82%
Details
Table row 3 of 3 for 3 Year Rising Rate CD; Minimum to Obtain: $500
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 7 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
36 Month CD
$500
3.50%
▲ 0.48% above Florida avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.02%▲ 0.48% above avgNationally 2.82%
Details
Minimum balance to earn interest: $25,000
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 8 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
17635 Bruce B Downs Blvd, Tampa, FL 33647
36 Month IRA/HSA CD
$500
3.50%
▲ 0.48% above Florida avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.02%▲ 0.48% above avgNationally 2.82%
Details
Rates as of 10/18/26
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 7 times
PowerNet Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
5619 Harney Rd, Tampa, FL 33610
36 Month Certificate
$500
3.50%
▲ 0.48% above Florida avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.02%▲ 0.48% above avgNationally 2.82%
Details
Share Certificates, Regular and IRA Accounts; Rates as of September 23, 2025; Early withdrawal penalties may apply
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 9 times
GTE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.65%
711 E Henderson Ave, Tampa, FL 33602
36 Month Share Certificate
$500
3.45%
▲ 0.43% above Florida avg
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Florida Average3.02%▲ 0.43% above avgNationally 2.82%
Details
Rate History
No change since Sep 25, 2026 · 3.45% APY · checked 4 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
36 Month CD
$500
3.45%
▲ 0.43% above Florida avg
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.02%▲ 0.43% above avgNationally 2.82%
Details
Minimum balance to earn interest: $500
Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 8 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
Business 36 Month CD
$0
3.45%
▲ 0.43% above Florida avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.02%▲ 0.43% above avgNationally 2.82%
Details
Balance: $100,000 minimum to earn interest
Rate History
No change since Sep 18, 2026 · 3.45% APY · checked 7 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
Business 36 Month CD
$0
3.35%
▲ 0.33% above Florida avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.02%▲ 0.33% above avgNationally 2.82%
Details
Balance: $25,000 minimum to earn interest
Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 7 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
17635 Bruce B Downs Blvd, Tampa, FL 33647
36 Month CD
$0
3.35%
▲ 0.33% above Florida avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.02%▲ 0.33% above avgNationally 2.82%
Details
Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 7 times
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
7650 W Courtney Campbell Cswy Ste 900, Tampa, FL 33607
Share Certificates - 3 Years
$0
3.35%
▲ 0.33% above Florida avg
▼
Rate3.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.02%▲ 0.33% above avgNationally 2.82%
Details
Dividend rate 3.309%; Rates Set: Monthly; early withdrawal penalty applies
Rate History
No change since Oct 19, 2026 · 3.35% APY
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3209 E Busch Blvd, Tampa, FL 33612 8737
Member Merits (Gold) 36 Month Certificate
$0
3.30%
▲ 0.28% above Florida avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.02%▲ 0.28% above avgNationally 2.82%
Details
Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances; Dividend Rate 3.25%
Rate History
No change since Oct 13, 2026 · 3.30% APY · checked 2 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
Business 36 Month CD
$0
3.25%
▲ 0.23% above Florida avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.02%▲ 0.23% above avgNationally 2.82%
Details
Balance: $500 minimum to earn interest
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 7 times
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3209 E Busch Blvd, Tampa, FL 33612 8737
36 Month Certificate
$0
3.25%
▲ 0.23% above Florida avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.02%▲ 0.23% above avgNationally 2.82%
Details
APY accurate as of 09/22/2026; subject to penalty for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.30% → 3.25% ▼ 0.05 pts · high 3.30% / low 3.25%
- Sep 18, 20263.25%▼ from 3.30%
- Sep 14, 20263.30%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3209 E Busch Blvd, Tampa, FL 33612 8737
Business Certificate of Deposit - 36 Month Certificate
$0
3.25%
▲ 0.23% above Florida avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.02%▲ 0.23% above avgNationally 2.82%
Details
Business Certificate of Deposit; Min. Balance/Average Daily Balance $1,000; Subject to penalty for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
Tampa Bay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.75%
3815 N Nebraska Ave, Tampa, FL 33603
36 Month Share Certificate
$0
3.25%
▲ 0.23% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.02%▲ 0.23% above avgNationally 2.82%
Details
Balance: $500-$49,999; Effective Date: Monday, October 19th, 2026
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 5 times
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
113 E Whiting St, Tampa, FL 33602
36-Month Certificate of Deposit
$500
3.20%
▲ 0.18% above Florida avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.02%▲ 0.18% above avgNationally 2.82%
Details
Earn 3.20% APY on balances of $500 or more; Account matures in 36 months; APY is fixed for the 36-month term; Fund up to $500,000 online and up to $1,000,000 in a branch
Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 4 times
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
113 E Whiting St, Tampa, FL 33602
36-Month Fixed Rate CD
$0
3.20%
▲ 0.18% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.02%▲ 0.18% above avgNationally 2.82%
Details
Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 3 times
Trax Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
3710 N 50th St, Tampa, FL 33619
3 Year IRA Jumbo Certificate
$100,000
3.20%
▲ 0.18% above Florida avg
▼
Rate3.15%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.02%▲ 0.18% above avgNationally 2.82%
Details
Compounded daily. Penalty for early withdrawal.
Rate History
No change since Oct 9, 2026 · 3.20% APY · checked 3 times
Trax Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
3710 N 50th St, Tampa, FL 33619
3 Year Jumbo Share Certificate
$100,000
3.20%
▲ 0.18% above Florida avg
▼
Rate3.15%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.02%▲ 0.18% above avgNationally 2.82%
Details
Compounded daily. Penalty for early withdrawal.
Rate History
No change since Oct 9, 2026 · 3.20% APY · checked 3 times
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3209 E Busch Blvd, Tampa, FL 33612 8737
Member Merits (Gold) 36 Month Variable Rate Certificate
$0
3.15%
▲ 0.13% above Florida avg
▼
Rate3.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.02%▲ 0.13% above avgNationally 2.82%
Details
Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances; variable rate certificate; Dividend Rate 3.11%
Rate History
No change since Oct 13, 2026 · 3.15% APY · checked 2 times
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3209 E Busch Blvd, Tampa, FL 33612 8737
36 Month Variable Rate Certificate
$0
3.10%
▲ 0.08% above Florida avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.02%▲ 0.08% above avgNationally 2.82%
Details
Variable rate certificate; APY is variable; rate may change twice during the term and may increase or decrease but never below the rate earned on issue date; adjusts to current like-term fixed rate less a .10% margin for 36 months; penalty may be imposed for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.15% → 3.10% ▼ 0.05 pts · high 3.15% / low 3.10%
- Sep 18, 20263.10%▼ from 3.15%
- Sep 14, 20263.15%first recorded
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
11707 N Dale Mabry Hwy, Tampa, FL 33618
3 Year Rising Rate CD
$500
3.00%
▼ 0.02% below Florida avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.02%▼ 0.02% below avgNationally 2.82%
Details
Table row 2 of 3 for 3 Year Rising Rate CD; Minimum to Obtain: $500
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 7 times
Tampa Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
3501 Bessie Coleman Blvd, Tampa, FL 33630
36 Month IRA Certificate Account
$500
3.00%
▼ 0.02% below Florida avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Florida Average3.02%▼ 0.02% below avgNationally 2.82%
Details
Effective March 1, 2026; $500 minimum deposit and early withdrawal penalties may apply on certificate accounts
Rate History
No change since Oct 12, 2026 · 3.00% APY · checked 2 times
Trax Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
3710 N 50th St, Tampa, FL 33619
3 Year IRA Certificate
$500
3.00%
▼ 0.02% below Florida avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.02%▼ 0.02% below avgNationally 2.82%
Details
Compounded daily. Penalty for early withdrawal.
Rate History
No change since Oct 9, 2026 · 3.00% APY · checked 3 times
Trax Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
3710 N 50th St, Tampa, FL 33619
3 Year Share Certificate
$500
3.00%
▼ 0.02% below Florida avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.02%▼ 0.02% below avgNationally 2.82%
Details
Compounded daily. Penalty for early withdrawal.
Rate History
No change since Oct 9, 2026 · 3.00% APY · checked 3 times
Tampa Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
3501 Bessie Coleman Blvd, Tampa, FL 33630
36 Month Share Certificate Account
$500
2.75%
▼ 0.27% below Florida avg
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Florida Average3.02%▼ 0.27% below avgNationally 2.82%
Details
Effective March 1, 2026; $500 minimum deposit and early withdrawal penalties may apply on certificate accounts
Rate History
No change since Oct 12, 2026 · 2.75% APY · checked 2 times
Tampa Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
3501 Bessie Coleman Blvd, Tampa, FL 33630
36 Month Step Share Certificate Account
$500
2.75%
▼ 0.27% below Florida avg
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Florida Average3.02%▼ 0.27% below avgNationally 2.82%
Details
Step Up certificate; member must monitor rate increases and notify TPCU when the Step Up will be implemented; Effective March 1, 2026
Rate History
No change since Oct 12, 2026 · 2.75% APY · checked 2 times
Tampa 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
1300 N West Shore Blvd, Tampa, FL 33607
48 Month CD
$0
4.15%
▲ 1.16% above Florida avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.99%▲ 1.16% above avgNationally 2.82%
Details
Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
1300 N West Shore Blvd, Tampa, FL 33607
48 Month Certificate of Deposit
$1,000
4.15%
▲ 1.16% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.99%▲ 1.16% above avgNationally 2.82%
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
1300 N West Shore Blvd, Tampa, FL 33607
48-Month IRA
$1,000
4.15%
▲ 1.16% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.99%▲ 1.16% above avgNationally 2.82%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
1300 N West Shore Blvd, Tampa, FL 33607
IRA - Individual Retirement Accounts 48-Month
$1,000
4.15%
▲ 1.16% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.99%▲ 1.16% above avgNationally 2.82%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
- Oct 7, 20264.15%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Transport Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
8916 Sabal Industrial Blvd, Tampa, FL 33619
48 Month Jumbo Certificates
$100,000
4.06%
▲ 1.07% above Florida avg
▼
Rate4.00%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average2.99%▲ 1.07% above avgNationally 2.82%
Details
Jumbo Certificate rates require a $100,000.00 minimum deposit.
Rate History
No change since Oct 10, 2026 · 4.06% APY · checked 2 times
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
6536 E Hillsborough Ave, Tampa, FL 33610
48 Month Jumbo Certificate
$0
4.00%
▲ 1.01% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average2.99%▲ 1.01% above avgNationally 2.82%
Details
Rate Type: Fixed
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 7 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
17635 Bruce B Downs Blvd, Tampa, FL 33647
48 Month IRA/HSA CD - VIP Bonus
$500
3.90%
▲ 0.91% above Florida avg
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average2.99%▲ 0.91% above avgNationally 2.82%
Details
VIP Relationship Reward Bonus; Rates as of 10/18/26
Rate History
No change since Oct 13, 2026 · 3.90% APY · checked 2 times
Transport Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
8916 Sabal Industrial Blvd, Tampa, FL 33619
Share Certificate - 48 Months
$0
3.80%
▲ 0.81% above Florida avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average2.99%▲ 0.81% above avgNationally 2.82%
Details
Effective Date: Monday, October 19th, 2026
Rate History
No change since Oct 19, 2026 · 3.80% APY · checked 2 times
GTE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.65%
711 E Henderson Ave, Tampa, FL 33602
48 Month Jumbo Share Certificate
$100,000
3.76%
▲ 0.77% above Florida avg
▼
Rate3.70%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Florida Average2.99%▲ 0.77% above avgNationally 2.82%
Details
Opening deposit of $100,000 or more; APY accurate as of 2/10/26
Rate History
No change since Sep 25, 2026 · 3.76% APY · checked 5 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
48 month IRA CD
$0
3.75%
▲ 0.76% above Florida avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average2.99%▲ 0.76% above avgNationally 2.82%
Details
Balance: $100,000 and over
Rate History
No change since Sep 21, 2026 · 3.75% APY · checked 6 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
17635 Bruce B Downs Blvd, Tampa, FL 33647
48 Month CD - VIP Bonus
$0
3.75%
▲ 0.76% above Florida avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average2.99%▲ 0.76% above avgNationally 2.82%
Details
VIP Relationship Reward Bonus rate; where noted, CD rates include 0.25% MORE VIP Relationship Reward Bonus
Rate History
No change since Oct 13, 2026 · 3.75% APY · checked 2 times
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
6536 E Hillsborough Ave, Tampa, FL 33610
48 Month Share Certificate
$0
3.75%
▲ 0.76% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average2.99%▲ 0.76% above avgNationally 2.82%
Details
Rate Type: Fixed
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 7 times
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
6536 E Hillsborough Ave, Tampa, FL 33610
48 Month Youth Certificate
$0
3.75%
▲ 0.76% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average2.99%▲ 0.76% above avgNationally 2.82%
Details
Rate Type: Fixed
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 7 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
48 month IRA CD
$0
3.70%
▲ 0.71% above Florida avg
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average2.99%▲ 0.71% above avgNationally 2.82%
Details
Balance: $25,000 - $99,999.99
Rate History
No change since Sep 21, 2026 · 3.70% APY · checked 6 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
48 Month CD
$0
3.65%
▲ 0.66% above Florida avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average2.99%▲ 0.66% above avgNationally 2.82%
Details
Balance: $100,000 minimum to earn interest
Rate History
No change since Sep 21, 2026 · 3.65% APY · checked 6 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
48 month IRA CD
$0
3.65%
▲ 0.66% above Florida avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average2.99%▲ 0.66% above avgNationally 2.82%
Details
Balance: $500 - $24,999.99
Rate History
No change since Sep 21, 2026 · 3.65% APY · checked 6 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
Business 48 Month CD
$0
3.65%
▲ 0.66% above Florida avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average2.99%▲ 0.66% above avgNationally 2.82%
Details
Balance: $100,000 and over; Call 800.593.2274 or visit a branch to open your CD
Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 7 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
17635 Bruce B Downs Blvd, Tampa, FL 33647
48 Month IRA/HSA CD
$500
3.65%
▲ 0.66% above Florida avg
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average2.99%▲ 0.66% above avgNationally 2.82%
Details
Rates as of 10/18/26
Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 7 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
48 Month CD
$0
3.60%
▲ 0.61% above Florida avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average2.99%▲ 0.61% above avgNationally 2.82%
Details
Balance: $25,000 minimum to earn interest
Rate History
No change since Sep 21, 2026 · 3.60% APY · checked 6 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
Business 48 Month CD
$0
3.60%
▲ 0.61% above Florida avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average2.99%▲ 0.61% above avgNationally 2.82%
Details
Balance: $25,000 and over; Call 800.593.2274 or visit a branch to open your CD
Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 7 times
PowerNet Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
5619 Harney Rd, Tampa, FL 33610
48 Month Certificate
$500
3.60%
▲ 0.61% above Florida avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average2.99%▲ 0.61% above avgNationally 2.82%
Details
Share Certificates, Regular and IRA Accounts; Rates as of September 23, 2025; Early withdrawal penalties may apply
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 9 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
48 Month CD
$0
3.55%
▲ 0.56% above Florida avg
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average2.99%▲ 0.56% above avgNationally 2.82%
Details
Balance: $500 minimum to earn interest
Rate History
No change since Sep 21, 2026 · 3.55% APY · checked 6 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
Business 48 Month CD
$0
3.55%
▲ 0.56% above Florida avg
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average2.99%▲ 0.56% above avgNationally 2.82%
Details
Balance: $500 and over; Call 800.593.2274 or visit a branch to open your CD
Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 7 times
GTE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.65%
711 E Henderson Ave, Tampa, FL 33602
48 Month Share Certificate
$500
3.51%
▲ 0.52% above Florida avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Florida Average2.99%▲ 0.52% above avgNationally 2.82%
Details
Rate History
No change since Sep 25, 2026 · 3.51% APY · checked 4 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
17635 Bruce B Downs Blvd, Tampa, FL 33647
48 Month CD
$0
3.50%
▲ 0.51% above Florida avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average2.99%▲ 0.51% above avgNationally 2.82%
Details
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 7 times
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3209 E Busch Blvd, Tampa, FL 33612 8737
Member Merits (Gold) 48 Month Certificate
$0
3.30%
▲ 0.31% above Florida avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average2.99%▲ 0.31% above avgNationally 2.82%
Details
Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances; Dividend Rate 3.25%
Rate History
No change since Oct 13, 2026 · 3.30% APY · checked 2 times
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3209 E Busch Blvd, Tampa, FL 33612 8737
48 Month Certificate
$0
3.25%
▲ 0.26% above Florida avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average2.99%▲ 0.26% above avgNationally 2.82%
Details
APY accurate as of 09/22/2026; subject to penalty for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.30% → 3.25% ▼ 0.05 pts · high 3.30% / low 3.25%
- Sep 18, 20263.25%▼ from 3.30%
- Sep 14, 20263.30%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3209 E Busch Blvd, Tampa, FL 33612 8737
Business Certificate of Deposit - 48 Month Certificate
$0
3.25%
▲ 0.26% above Florida avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average2.99%▲ 0.26% above avgNationally 2.82%
Details
Business Certificate of Deposit; Min. Balance/Average Daily Balance $1,000; Subject to penalty for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
Trax Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
3710 N 50th St, Tampa, FL 33619
4 Year IRA Jumbo Certificate
$100,000
3.20%
▲ 0.21% above Florida avg
▼
Rate3.15%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average2.99%▲ 0.21% above avgNationally 2.82%
Details
Compounded daily. Penalty for early withdrawal.
Rate History
No change since Oct 9, 2026 · 3.20% APY · checked 3 times
Trax Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
3710 N 50th St, Tampa, FL 33619
4 Year Jumbo Share Certificate
$100,000
3.20%
▲ 0.21% above Florida avg
▼
Rate3.15%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average2.99%▲ 0.21% above avgNationally 2.82%
Details
Compounded daily. Penalty for early withdrawal.
Rate History
No change since Oct 9, 2026 · 3.20% APY · checked 3 times
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
113 E Whiting St, Tampa, FL 33602
48-Month Certificate of Deposit
$500
3.05%
▲ 0.06% above Florida avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.99%▲ 0.06% above avgNationally 2.82%
Details
Balance: $500 or more to earn APY; Fund up to $500,000 online and up to $1,000,000 in a branch; Apply online
Rate History
No change since Sep 18, 2026 · 3.05% APY · checked 7 times
Trax Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
3710 N 50th St, Tampa, FL 33619
4 Year IRA Certificate
$500
3.00%
▲ 0.01% above Florida avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average2.99%▲ 0.01% above avgNationally 2.82%
Details
Compounded daily. Penalty for early withdrawal.
Rate History
No change since Oct 9, 2026 · 3.00% APY · checked 3 times
Trax Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
3710 N 50th St, Tampa, FL 33619
4 Year Share Certificate
$500
3.00%
▲ 0.01% above Florida avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average2.99%▲ 0.01% above avgNationally 2.82%
Details
Compounded daily. Penalty for early withdrawal.
Rate History
No change since Oct 9, 2026 · 3.00% APY · checked 3 times
Tampa Bay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.75%
3815 N Nebraska Ave, Tampa, FL 33603
48 Month Share Certificate
$0
3.00%
▲ 0.01% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average2.99%▲ 0.01% above avgNationally 2.82%
Details
Balance: $500-$49,999; Effective Date: Monday, October 19th, 2026
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 5 times
Tampa Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
3501 Bessie Coleman Blvd, Tampa, FL 33630
48 Month Share Certificate Account
$500
2.75%
▼ 0.24% below Florida avg
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Florida Average2.99%▼ 0.24% below avgNationally 2.82%
Details
Effective March 1, 2026; $500 minimum deposit and early withdrawal penalties may apply on certificate accounts
Rate History
No change since Oct 12, 2026 · 2.75% APY · checked 2 times
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
3202 W Waters Ave, Tampa, FL 33614
IRA Certificate - 48 Month
$1,000
2.75%
▼ 0.24% below Florida avg
▼
Rate2.72%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average2.99%▼ 0.24% below avgNationally 2.82%
Details
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 2 times
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
3202 W Waters Ave, Tampa, FL 33614
Regular Certificates - 48 Month
$1,000
2.75%
▼ 0.24% below Florida avg
▼
Rate2.72%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average2.99%▼ 0.24% below avgNationally 2.82%
Details
Rate History
No change since Oct 14, 2026 · 2.75% APY · checked 2 times
Amerant Bank
Institution Rating:
B+4.7 ★Texas Ratio: 18.65%
4830 W Kennedy Blvd Ste 105, Tampa, FL 33609
48 Month Certificates of Deposit
$0
2.50%
▼ 0.49% below Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.99%▼ 0.49% below avgNationally 2.82%
Details
FL only; banking center minimum $10,000, online minimum $500
Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
501 E Kennedy Blvd, Tampa, FL 33602
48 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.24% below Florida avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average2.99%▼ 2.24% below avgNationally 2.82%
Details
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
501 E Kennedy Blvd, Tampa, FL 33602
48 Month Standard CD
$1,000
0.75%
▼ 2.24% below Florida avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average2.99%▼ 2.24% below avgNationally 2.82%
Details
Balance: up to $100,000; Rates for ZIP code 60603
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
FLC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
4830 W Kennedy Blvd, Tampa, FL 33609
Business 4-Year
$0
0.55%
▼ 2.44% below Florida avg
▼
Rate0.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.99%▼ 2.44% below avgNationally 2.82%
Details
Rate History
No change since Sep 14, 2026 · 0.55% APY · checked 6 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
327 N Dale Mabry Hwy, Tampa, FL 33609
4-Year Jumbo CD
$100,000
0.50%
▼ 2.49% below Florida avg
▼
Rate0.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average2.99%▼ 2.49% below avgNationally 2.82%
Details
Rate History
No change since Sep 24, 2026 · 0.50% APY · checked 2 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
327 N Dale Mabry Hwy, Tampa, FL 33609
4-Year Term CD
$1,000
0.50%
▼ 2.49% below Florida avg
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average2.99%▼ 2.49% below avgNationally 2.82%
Details
Rate History
No change since Oct 19, 2026 · 0.50% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
327 N Dale Mabry Hwy, Tampa, FL 33609
Term CD - 4-Year
$1,000
0.50%
▼ 2.49% below Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average2.99%▼ 2.49% below avgNationally 2.82%
Details
Minimum of $1,000 to open your account
Rate History
No change since Oct 19, 2026 · 0.50% APY
Florida Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
3333 Henderson Blvd, Tampa, FL 33609 2955
48 Month Share Certificates - Regular and IRA
$0
0.41%
▼ 2.58% below Florida avg
▼
Rate0.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average2.99%▼ 2.58% below avgNationally 2.82%
Details
Rate History
No change since Sep 22, 2026 · 0.41% APY · checked 3 times
Florida Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
3333 Henderson Blvd, Tampa, FL 33609 2955
Share Certificate - Regular and IRA 48 Months
$0
0.41%
▼ 2.58% below Florida avg
▼
Rate0.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average2.99%▼ 2.58% below avgNationally 2.82%
Details
Regular and IRA
Rate History
No change since Sep 22, 2026 · 0.41% APY · checked 3 times
Century Bank of Florida
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
716 W Fletcher Ave, Tampa, FL 33612
48 Month IRA Certificate of Deposit
$0
0.35%
▼ 2.64% below Florida avg
▼
Rate0.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.99%▼ 2.64% below avgNationally 2.82%
Details
Compounding: Quarterly
Rate History
No change since Oct 14, 2026 · 0.35% APY
Century Bank of Florida
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
716 W Fletcher Ave, Tampa, FL 33612
Certificates of Deposit - 48 Months
$500
0.35%
▼ 2.64% below Florida avg
▼
Rate0.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.99%▼ 2.64% below avgNationally 2.82%
Details
Compounding: Monthly
Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 8 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
327 N Dale Mabry Hwy, Tampa, FL 33609
4-Year RampUp CD
$50,000
0.25%
▼ 2.74% below Florida avg
▼
Rate0.25%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average2.99%▼ 2.74% below avgNationally 2.82%
Details
Rate History
No change since Sep 24, 2026 · 0.25% APY · checked 2 times
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
327 N Dale Mabry Hwy, Tampa, FL 33609
4 Year Certificate of Deposit
$500
0.15%
▼ 2.84% below Florida avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.99%▼ 2.84% below avgNationally 2.82%
Details
CD yields may vary depending on your area. Contact your local branch for details.
Rate History
No change since Sep 18, 2026 · 0.15% APY · checked 5 times
Tampa 60 Month CD Rates
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: 2.32%
11707 N Dale Mabry Hwy, Tampa, FL 33618
60 Month Bonus CD
$0
4.50%
▲ 1.34% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.16%▲ 1.34% above avgNationally 2.93%
Details
Bonus CD; Minimum to Obtain: $500
Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 5 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
1300 N West Shore Blvd, Tampa, FL 33607
60 Month CD
$0
4.25%
▲ 1.09% above Florida avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.16%▲ 1.09% above avgNationally 2.93%
Details
Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
1300 N West Shore Blvd, Tampa, FL 33607
60 Month Certificate of Deposit
$1,000
4.25%
▲ 1.09% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.16%▲ 1.09% above avgNationally 2.93%
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
1300 N West Shore Blvd, Tampa, FL 33607
60-Month IRA
$1,000
4.25%
▲ 1.09% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.16%▲ 1.09% above avgNationally 2.93%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
1300 N West Shore Blvd, Tampa, FL 33607
IRA - Individual Retirement Accounts 60-Month
$1,000
4.25%
▲ 1.09% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.16%▲ 1.09% above avgNationally 2.93%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
- Oct 7, 20264.25%▲ from 3.75%
- Sep 14, 20263.75%first recorded
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
17635 Bruce B Downs Blvd, Tampa, FL 33647
60 Month IRA/HSA CD - VIP Bonus
$500
4.15%
▲ 0.99% above Florida avg
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.16%▲ 0.99% above avgNationally 2.93%
Details
VIP Relationship Reward Bonus; Rates as of 10/18/26
Rate History
No change since Oct 13, 2026 · 4.15% APY · checked 2 times
Transport Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
8916 Sabal Industrial Blvd, Tampa, FL 33619
60 Month Jumbo Certificates
$100,000
4.06%
▲ 0.90% above Florida avg
▼
Rate4.00%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.16%▲ 0.90% above avgNationally 2.93%
Details
Jumbo Certificate rates require a $100,000.00 minimum deposit.
Rate History
No change since Oct 10, 2026 · 4.06% APY · checked 2 times
Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
1242 E 5th Ave Fl 4, Tampa, FL 33605
60 Month Certificate Account
$0
4.02%
▲ 0.86% above Florida avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Florida Average3.16%▲ 0.86% above avgNationally 2.93%
Details
Balance: $100,000+
Rate History
No change since Sep 17, 2026 · 4.02% APY · checked 3 times
Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
1242 E 5th Ave Fl 4, Tampa, FL 33605
60 Month IRA Certificate Account
$0
4.02%
▲ 0.86% above Florida avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Florida Average3.16%▲ 0.86% above avgNationally 2.93%
Details
Balance: $100,000+
Rate History
No change since Sep 17, 2026 · 4.02% APY · checked 5 times
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
11707 N Dale Mabry Hwy, Tampa, FL 33618
60 Month Bonus CD
$0
4.00%
▲ 0.84% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.16%▲ 0.84% above avgNationally 2.93%
Details
Bonus CD; Minimum to Obtain: $500
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
17635 Bruce B Downs Blvd, Tampa, FL 33647
60 Month CD - VIP Bonus
$0
4.00%
▲ 0.84% above Florida avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.16%▲ 0.84% above avgNationally 2.93%
Details
VIP Relationship Reward Bonus rate; where noted, CD rates include 0.25% MORE VIP Relationship Reward Bonus
Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 2 times
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
3202 W Waters Ave, Tampa, FL 33614
60 Month Current CD Special
$1,000
4.00%
▲ 0.84% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.16%▲ 0.84% above avgNationally 2.93%
Details
Advertised APY for 60-month CD; penalties may apply for early withdrawal
Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
6536 E Hillsborough Ave, Tampa, FL 33610
60 Month Jumbo Certificate
$0
4.00%
▲ 0.84% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.16%▲ 0.84% above avgNationally 2.93%
Details
Rate Type: Fixed
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 7 times
Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
1242 E 5th Ave Fl 4, Tampa, FL 33605
60 Month Certificate Account
$0
3.92%
▲ 0.76% above Florida avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Florida Average3.16%▲ 0.76% above avgNationally 2.93%
Details
Balance: $500 - $99,999.99
Rate History
No change since Sep 17, 2026 · 3.92% APY · checked 3 times
Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
1242 E 5th Ave Fl 4, Tampa, FL 33605
60 Month IRA Certificate Account
$0
3.92%
▲ 0.76% above Florida avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Florida Average3.16%▲ 0.76% above avgNationally 2.93%
Details
Balance: $500 - $99,999.99
Rate History
No change since Sep 17, 2026 · 3.92% APY · checked 5 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
4530 S Dale Mabry Hwy, Tampa, FL 33611
5 Year ESA Long-Term Certificate
$0
3.90%
▲ 0.74% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.16%▲ 0.74% above avgNationally 2.93%
Details
Balance: $100K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 3.90% APY · checked 4 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
17635 Bruce B Downs Blvd, Tampa, FL 33647
60 Mo. IRA CD VIP
$0
3.90%
▲ 0.74% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.16%▲ 0.74% above avgNationally 2.93%
Details
IRA certificate; VIP 3.90% APY
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 6 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
17635 Bruce B Downs Blvd, Tampa, FL 33647
60 Month IRA/HSA CD
$500
3.90%
▲ 0.74% above Florida avg
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.16%▲ 0.74% above avgNationally 2.93%
Details
Rates as of 10/18/26
Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 7 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
4530 S Dale Mabry Hwy, Tampa, FL 33611
5 Year ESA Long-Term Certificate
$0
3.85%
▲ 0.69% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.16%▲ 0.69% above avgNationally 2.93%
Details
Balance: $1K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 3.85% APY · checked 4 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
60 Month IRA CD
$500
3.85%
▲ 0.69% above Florida avg
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.16%▲ 0.69% above avgNationally 2.93%
Details
Minimum balance to earn interest: $100,000
Rate History
No change since Sep 18, 2026 · 3.85% APY · checked 7 times
GTE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.65%
711 E Henderson Ave, Tampa, FL 33602
60 Month Jumbo Share Certificate
$100,000
3.82%
▲ 0.66% above Florida avg
▼
Rate3.75%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Florida Average3.16%▲ 0.66% above avgNationally 2.93%
Details
Opening deposit of $100,000 or more; APY accurate as of 2/10/26
Rate History
No change since Sep 25, 2026 · 3.82% APY · checked 5 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
60 Month IRA CD
$500
3.80%
▲ 0.64% above Florida avg
▼
Rate3.73%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.16%▲ 0.64% above avgNationally 2.93%
Details
Minimum balance to earn interest: $25,000
Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 7 times
Transport Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
8916 Sabal Industrial Blvd, Tampa, FL 33619
Share Certificate - 60 Months
$0
3.80%
▲ 0.64% above Florida avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.16%▲ 0.64% above avgNationally 2.93%
Details
Effective Date: Monday, October 19th, 2026
Rate History
No change since Oct 19, 2026 · 3.80% APY · checked 2 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
60 Month CD
$500
3.75%
▲ 0.59% above Florida avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.16%▲ 0.59% above avgNationally 2.93%
Details
Balance tier: $100,000 and over; Table caption reads '60 month CD' but these values match the 48 month IRA CD section on the page; Minimum opening balance of $500 required for all CD products
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 8 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
60 Month IRA CD
$500
3.75%
▲ 0.59% above Florida avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.16%▲ 0.59% above avgNationally 2.93%
Details
Minimum balance to earn interest: $500
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 7 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
Business 60 month CD
$0
3.75%
▲ 0.59% above Florida avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.16%▲ 0.59% above avgNationally 2.93%
Details
Minimum balance to earn interest: $100,000
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 7 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
17635 Bruce B Downs Blvd, Tampa, FL 33647
60 Month CD
$0
3.75%
▲ 0.59% above Florida avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.16%▲ 0.59% above avgNationally 2.93%
Details
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 7 times
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
6536 E Hillsborough Ave, Tampa, FL 33610
60 Month Share Certificate
$0
3.75%
▲ 0.59% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.16%▲ 0.59% above avgNationally 2.93%
Details
Rate Type: Fixed
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 7 times
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
6536 E Hillsborough Ave, Tampa, FL 33610
60 Month Youth Certificate
$0
3.75%
▲ 0.59% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.16%▲ 0.59% above avgNationally 2.93%
Details
Rate Type: Fixed
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 7 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
60 Month CD
$500
3.70%
▲ 0.54% above Florida avg
▼
Rate3.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.16%▲ 0.54% above avgNationally 2.93%
Details
Balance tier: $25,000 and over; Table caption reads '60 month CD' but these values match the 48 month IRA CD section on the page; Minimum opening balance of $500 required for all CD products
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 8 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
Business 60 month CD
$0
3.70%
▲ 0.54% above Florida avg
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.16%▲ 0.54% above avgNationally 2.93%
Details
Minimum balance to earn interest: $25,000
Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 7 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
60 Month CD
$500
3.65%
▲ 0.49% above Florida avg
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.16%▲ 0.49% above avgNationally 2.93%
Details
Balance tier: $500 and over; Table caption reads '60 month CD' but these values match the 48 month IRA CD section on the page; Minimum opening balance of $500 required for all CD products
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 8 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
Business 60 month CD
$0
3.65%
▲ 0.49% above Florida avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.16%▲ 0.49% above avgNationally 2.93%
Details
Minimum balance to earn interest: $500
Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 7 times
PowerNet Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
5619 Harney Rd, Tampa, FL 33610
60 Month Certificate
$500
3.60%
▲ 0.44% above Florida avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.16%▲ 0.44% above avgNationally 2.93%
Details
Share Certificates, Regular and IRA Accounts; Rates as of September 23, 2025; Early withdrawal penalties may apply
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 9 times
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
7650 W Courtney Campbell Cswy Ste 900, Tampa, FL 33607
IRA 5 Years Certificate
$0
3.60%
▲ 0.44% above Florida avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.16%▲ 0.44% above avgNationally 2.93%
Details
Traditional, Roth & Coverdell Education; Rates Set: Monthly; Must have a Regular IRA Savings Account in order to open; penalty for early withdrawal
Rate History
No change since Oct 19, 2026 · 3.60% APY
GTE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.65%
711 E Henderson Ave, Tampa, FL 33602
60 Month Share Certificate
$500
3.56%
▲ 0.40% above Florida avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Florida Average3.16%▲ 0.40% above avgNationally 2.93%
Details
Rate History
No change since Sep 25, 2026 · 3.56% APY · checked 4 times
RBMAX
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
1300 N West Shore Blvd, Tampa, FL 33607
Certificates of Deposit - 60 Month
$1,000
3.50%
▲ 0.34% above Florida avg
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.16%▲ 0.34% above avgNationally 2.93%
Details
Partial withdrawals allowed; $100,000 maximum deposit per CD product; automatically renewable
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 7 times
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
7650 W Courtney Campbell Cswy Ste 900, Tampa, FL 33607
Share Certificates - 5 Years
$0
3.45%
▲ 0.29% above Florida avg
▼
Rate3.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.16%▲ 0.29% above avgNationally 2.93%
Details
Dividend rate 3.406%; Rates Set: Monthly; early withdrawal penalty applies
Rate History
No change since Oct 19, 2026 · 3.45% APY
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3209 E Busch Blvd, Tampa, FL 33612 8737
Member Merits (Gold) 60 Month Certificate
$0
3.30%
▲ 0.14% above Florida avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.16%▲ 0.14% above avgNationally 2.93%
Details
Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances; Dividend Rate 3.25%
Rate History
No change since Oct 13, 2026 · 3.30% APY · checked 2 times
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3209 E Busch Blvd, Tampa, FL 33612 8737
60 Month Certificate
$0
3.25%
▲ 0.09% above Florida avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.16%▲ 0.09% above avgNationally 2.93%
Details
APY accurate as of 09/22/2026; subject to penalty for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.30% → 3.25% ▼ 0.05 pts · high 3.30% / low 3.25%
- Sep 18, 20263.25%▼ from 3.30%
- Sep 14, 20263.30%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3209 E Busch Blvd, Tampa, FL 33612 8737
Business Certificate of Deposit - 60 Month Certificate
$0
3.25%
▲ 0.09% above Florida avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.16%▲ 0.09% above avgNationally 2.93%
Details
Business Certificate of Deposit; Min. Balance/Average Daily Balance $1,000; Subject to penalty for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
Trax Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
3710 N 50th St, Tampa, FL 33619
5 Year IRA Jumbo Certificate
$100,000
3.20%
▲ 0.04% above Florida avg
▼
Rate3.15%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.16%▲ 0.04% above avgNationally 2.93%
Details
Compounded daily. Penalty for early withdrawal.
Rate History
No change since Oct 9, 2026 · 3.20% APY · checked 3 times
Trax Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
3710 N 50th St, Tampa, FL 33619
5 Year Jumbo Share Certificate
$100,000
3.20%
▲ 0.04% above Florida avg
▼
Rate3.15%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.16%▲ 0.04% above avgNationally 2.93%
Details
Compounded daily. Penalty for early withdrawal.
Rate History
No change since Oct 9, 2026 · 3.20% APY · checked 3 times
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3209 E Busch Blvd, Tampa, FL 33612 8737
Member Merits (Gold) 60 Month Variable Rate Certificate
$0
3.15%
▼ 0.01% below Florida avg
▼
Rate3.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.16%▼ 0.01% below avgNationally 2.93%
Details
Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances; variable rate certificate; Dividend Rate 3.11%
Rate History
No change since Oct 13, 2026 · 3.15% APY · checked 2 times
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3209 E Busch Blvd, Tampa, FL 33612 8737
60 Month Variable Rate Certificate
$0
3.10%
▼ 0.06% below Florida avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.16%▼ 0.06% below avgNationally 2.93%
Details
Variable rate certificate; APY is variable; rate may change twice during the term and may increase or decrease but never below the rate earned on issue date; adjusts to current like-term fixed rate less a .25% margin for 60 months; penalty may be imposed for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.15% → 3.10% ▼ 0.05 pts · high 3.15% / low 3.10%
- Sep 18, 20263.10%▼ from 3.15%
- Sep 14, 20263.15%first recorded
Tampa Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
3501 Bessie Coleman Blvd, Tampa, FL 33630
60 Month IRA Certificate Account
$500
3.00%
▼ 0.16% below Florida avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Florida Average3.16%▼ 0.16% below avgNationally 2.93%
Details
Effective March 1, 2026; $500 minimum deposit and early withdrawal penalties may apply on certificate accounts
Rate History
No change since Oct 12, 2026 · 3.00% APY · checked 2 times
Trax Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
3710 N 50th St, Tampa, FL 33619
5 Year IRA Certificate
$500
3.00%
▼ 0.16% below Florida avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.16%▼ 0.16% below avgNationally 2.93%
Details
Compounded daily. Penalty for early withdrawal.
Rate History
No change since Oct 9, 2026 · 3.00% APY · checked 3 times
Trax Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
3710 N 50th St, Tampa, FL 33619
5 Year Share Certificate
$500
3.00%
▼ 0.16% below Florida avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.16%▼ 0.16% below avgNationally 2.93%
Details
Compounded daily. Penalty for early withdrawal.
Rate History
No change since Oct 9, 2026 · 3.00% APY · checked 3 times
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
3202 W Waters Ave, Tampa, FL 33614
IRA Certificate - 60 Month
$1,000
3.00%
▼ 0.16% below Florida avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.16%▼ 0.16% below avgNationally 2.93%
Details
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 2 times
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
3202 W Waters Ave, Tampa, FL 33614
Regular Certificates - 60 Month
$1,000
3.00%
▼ 0.16% below Florida avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Florida Average3.16%▼ 0.16% below avgNationally 2.93%
Details
Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 2 times
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Tampa, FL CD Rate Trends
Compare local Tampa, FL CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
12-Month CD FL Avg
3.216%
▼ 0.002 vs 7 days ago
Florida 12-month CD rates fell 0.002 points over the past 7 days to 3.216% APY.
6-Month CD FL Avg
3.072%
▲ 0.012 vs 7 days ago
Florida 6-month CD rates rose 0.012 points over the past 7 days to 3.072% APY.
As of Oct 20, 2026 • Rate data sourced from 8,500+ monitored institutions
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FL CD Rate Forecast, Next 12 Months
Where are Florida CD rates headed through October 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
FL 12-Month Avg APY
3.216%
6-Month Forecast
3.216%
Range: 3.02%, 3.37%
12-Month Forecast
3.466%
Range: 3.27%, 3.62%
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What Your Savings Earn at FL CD Rates Today
Annual interest earnings at today’s Florida average APYs. State average used where available; national average as fallback.
| CD Term | FL Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.039% | $101.93 | $203.85 | $509.63 | $1,019.25 |
| 6-Month CD | 3.072% | $153.60 | $307.19 | $767.98 | $1,535.95 |
| 12-Month CD | 3.216% | $160.79 | $321.57 | $803.93 | $1,607.85 |
| 18-Month CD | 3.232% | $161.58 | $323.15 | $807.88 | $1,615.75 |
| 24-Month CD | 3.172% | $158.60 | $317.20 | $793.00 | $1,586.00 |
| 36-Month CD | 3.021% | $151.03 | $302.05 | $755.13 | $1,510.25 |
| 48-Month CD | 2.986% | $149.32 | $298.64 | $746.60 | $1,493.20 |
| 60-Month CD | 3.163% | $158.16 | $316.32 | $790.80 | $1,581.60 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 19, 2026. | |||||
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Sample CD Ladder for Tampa, Florida Savers
$25,000 split equally across 5 terms using today’s Florida average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | FL Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.039% | $101.93 |
| 2 | 6-Month CD | $5,000 | 3.072% | $153.60 |
| 3 | 12-Month CD | $5,000 | 3.216% | $160.79 |
| 4 | 24-Month CD | $5,000 | 3.172% | $158.60 |
| 5 | 36-Month CD | $5,000 | 3.021% | $151.03 |
| Total ($25,000 invested) | $25,000 | 2.904% blended | $725.95/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.
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1,881
CD Rates
Tracked in Tampa, Florida
Tracked in Tampa, Florida
40 Banks
53 Credit Unions
About Our Tampa, Florida CD Rate Database
MonitorBankRates tracks 1,881 CD rates from 40 banks and 53 credit unions with locations in Tampa, 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 to 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 $0. Use the rate table above to compare all current offers in Tampa, Florida.
How to Find the Best CD Rates in Tampa, Florida
What to compare when shopping for a CD in Tampa, Florida
To find the best APYs in Tampa, Florida, start with credit unions and online-only banks: Tampa, Florida has 53 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 Tampa, 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 Tampa, Florida: 93 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Tampa, Florida savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare Tampa, Florida money market rates
Tampa, Florida Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
13.7%
National avg: 17.3%
Median Individual Earnings
$45,480
National avg: $47,340
Poverty Rate
15.5%
National avg: 11.1%
Unemployment Rate
4.8%
National avg: 4.8%
CD Earnings on 10% of Salary
$146/yr
At FL 12-mo avg 3.216% APY
13.7% of residents are 65 or older, below the national average of 17.3%. At today’s FL 12-month CD average of 3.216%, saving 10% of the local median salary ($4,548/year) and putting it in a CD would earn an additional $146 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 Tampa, 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 to 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 Tampa, 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 Tampa, 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 Tampa, Florida as everywhere in the U.S.
Choosing a CD Term in Tampa, 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 Tampa, 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, Third Federal Savings and Loan is offering its 60 Month Bonus CD at 4.50% 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 Tampa, 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 Tampa, 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 Tampa, 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 Tampa, 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 Tampa, Florida
Most CDs carry a fixed rate that is locked for the entire term, protecting a Tampa, 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 Tampa, Florida
Are CD rates in Tampa, Florida FDIC insured?
Yes, most established banks in Tampa, 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 Tampa, 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 Tampa, 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 Tampa, 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 Tampa, Florida?
Here are recent top rates found for this area:
- Third Federal Savings and Loan: 4.75% APY (6 Month Bonus CD)
- Suncoast Credit Union: 4.50% APY (18 Month Jumbo Certificate)
- Dfcu Financial Credit Union: 4.40% APY (2 year Business Share Certificates)
- Navy Federal Credit Union: 4.35% APY (12 Month Special EasyStart Certificate)
- Transport Credit Union: 4.32% APY (36 Month Jumbo Certificates)
- Hancock Whitney Bank: 4.25% APY (24-Month Certificate of Deposit)
- Amerant Bank: 4.25% APY (12 Month Certificates of Deposit)
- Republic Bank & Trust Company: 4.25% APY (60 Month CD)
- U S POSTAL SERVICE: 4.25% APY (IRA 1 Year Starter Add-On Certificate)
- LMCU Lake Michigan Credit Union: 4.15% APY (60 Month IRA/HSA CD - VIP Bonus)
Rates reflect recent verified offers available in Tampa, Florida. Last Updated: October 19, 2026
Tampa, 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 Tampa, 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 to 180 days of interest. Estimates are for informational purposes only.
CD Calculators for Tampa, Florida
Tampa, Florida CD Calculator
At today’s FL top rate of 4.75% APY, a $10,000 deposit earns $475 in the first year. Enter your amount to see your exact return.
Tampa, Florida CD LadderFL CD rates currently range from 2.039% (3-month) to 3.021% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Tampa, Florida CD at 4.75% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsFlorida’s average 12-month CD is 3.216% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Tampa, 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 Tampa, 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 Tampa, 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: October 19, 2026
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