CD Rates Tampa, Florida (FL) for April 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.
Current Tampa, Florida CD rates include U S POSTAL SERVICEU S POSTAL SERVICE7650 W Courtney Campbell Cswy Ste 900, Tampa, FL 33607A+5.0 ★Texas Ratio: 2.27%Real return: +1.45%APY minus CPI (February 2026) offering IRA Certificates 1 Year Starter Add-On at 4.25% APY, Tampa Bay Federal Credit UnionTampa Bay Federal Credit Union3815 N Nebraska Ave, Tampa, FL 33603A-5.0 ★Texas Ratio: 14.65%Real return: +1.35%APY minus CPI (February 2026) offering 18 Month Market Watch Share Certificate at 4.15% APY, Achieva Credit UnionAchieva Credit Union10901 N Dale Mabry Hwy, Tampa, FL 33618 4112A+5.0 ★Texas Ratio: 1.90%Real return: +1.30%APY minus CPI (February 2026) offering 6 month IRA CD at 4.10% APY, Florida West Coast Credit UnionFlorida West Coast Credit Union3020 Melburne Blvd, Tampa, FL 33605A+5.0 ★Texas Ratio: 1.98%Real return: +1.28%APY minus CPI (February 2026) offering 12 Month Certificate at 4.08% APY, and Dfcu Financial Credit UnionDfcu Financial Credit Union10824 N Dale Mabry Hwy, Tampa, FL 33618A+5.0 ★Texas Ratio: 1.05%Real return: +1.20%APY minus CPI (February 2026) offering Business Share Certificates 6 month at 4.00% APY. CD rates as of April 15, 2026 according to verified data from MonitorBankRates.
Tampa has 90 local institutions in our database, with CD rates as high as 4.25% APY from U S POSTAL SERVICE at 7650 W Courtney Campbell Cswy Ste 900, Tampa, FL 33607. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Florida area. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: April 15, 2026
Compare Best CD Rates in Tampa, Florida & the Surrounding Area
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: 1.05%
10824 N Dale Mabry Hwy, Tampa, FL 33618
Business Share Certificates 3 month
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
113 E Whiting St, Tampa, FL 33602
3-Month CD
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 15, 2026
Details
Seacoast National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
400 N Ashley Dr, Tampa, FL 33602
3-Month CD (Certificate of Deposit)
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
3 month CD
$500
2.40%
▼
Rate2.37%
Min Deposit$500
Min Balance—
UpdatedApr 15, 2026
Details
Tampa Bay Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.65%
3815 N Nebraska Ave, Tampa, FL 33603
3 Month Share Certificate
$500
1.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 15, 2026
Details
Century Bank of Florida
Institution Rating:
A5.0 ★Texas Ratio: 9.23%
716 W Fletcher Ave, Tampa, FL 33612
90 Day Certificate of Deposits
$0
0.07%
▼
Rate0.07%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
214 S Hyde Park Ave, Tampa, FL 33606
3 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedApr 15, 2026
Details
Total Direct Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
3-month online CD
$25,000
4.00%
▼
Rate3.92%
Min Deposit$25,000
Min Balance—
UpdatedApr 15, 2026
Details
Available for current 3-Month CD clients only:
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
3 Month IRA Jumbo
$100,000
3.66%
▼
Rate3.60%
Min Deposit$100,000
Min Balance—
UpdatedApr 15, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 15, 2026
Details
Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
Business Share Certificates 3 Month
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
3-Month Term Certificate
$750,000
3.15%
▼
Rate3.10%
Min Deposit$750,000
Min Balance—
UpdatedApr 15, 2026
Details
EGLIN
Institution Rating:
A5.0 ★Texas Ratio: 6.79%
92 days / 3 month Share Certificate
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
3 Month Certificates of Deposit/IRA Certificates of Deposit (CDs)
$0
3.05%
▼
Rate3.02%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Relationship
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
Traditional IRA / Roth IRA Share Certificates 3 month
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
$100,000 and above
Insight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
3 Month Millionaire Certificate
$1,000,000
2.55%
▼
Rate—
Min Deposit$1,000,000
Min Balance—
UpdatedApr 15, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
3-Month Share Certificate
$1,000
2.28%
▼
Rate2.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
3 month Certificate Account
$0
2.10%
▼
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
3 month Share Certificate
$100,000
1.12%
▼
Rate1.11%
Min Deposit$100,000
Min Balance—
UpdatedApr 15, 2026
Details
Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
3 Month Term Certificate
$0
1.10%
▼
Rate1.09%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Jax Fire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
3 Month Certificate
$500
0.75%
▼
Rate0.75%
Min Deposit$500
Min Balance—
UpdatedApr 15, 2026
Details
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
Share Certificates 3 month
$0
0.70%
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
3-month term Certificates (CDs)
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 15, 2026
Details
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
PNB Community Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.55%
3 Month Certificate of Deposit
$1,000
0.03%
▼
Rate0.03%
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
6 month IRA CD
$100,000
4.10%
▼
Rate4.03%
Min Deposit$100,000
Min Balance—
UpdatedApr 15, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
10824 N Dale Mabry Hwy, Tampa, FL 33618
Business Share Certificates 6 month
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
3020 Melburne Blvd, Tampa, FL 33605
6 Month Certificate
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
INB National Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
2222 West Swann Avenue, Tampa, FL 33606
6-Month CD Special
$1,000
3.73%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details
United Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
5426 Bay Center Dr, Tampa, FL 33609
6-month CD
$2,500
3.65%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 15, 2026
Details
BayFirst National Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.71%
3015 W Columbus Dr, Tampa, FL 33607
6-Month CD
$1,000
3.64%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details
PowerNet Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
5619 Harney Rd, Tampa, FL 33610
6 Month Certificate
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Early withdrawal penalties may apply.
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
3209 E Busch Blvd, Tampa, FL 33612 8737
6 Month Certificate of Deposit (IRA)
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Tampa Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
3501 Bessie Coleman Blvd, Tampa, FL 33630
6 Month Share Certificate Accounts
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Tampa Bay Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.65%
3815 N Nebraska Ave, Tampa, FL 33603
6 Month Share Certificate
$500
3.35%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 15, 2026
Details
Trax Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
3710 N 50th St, Tampa, FL 33619
Jumbo Share Certificates 6-Month Share Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Florida Customs Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5519 W Hillsborough Ave, Tampa, FL 33634
6 Month Term Share Certificates
$0
0.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
214 S Hyde Park Ave, Tampa, FL 33606
6 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedApr 15, 2026
Details
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
327 N Dale Mabry Hwy, Tampa, FL 33609
6-month automatic saver CD
$500
0.01%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 15, 2026
Details
Waterfall Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6-MONTH CERTIFICATE OF DEPOSIT
$50,000
4.45%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 15, 2026
Details
New money only. New money is defined as money not currently deposited with Waterfall Bank. Fees could reduce earnings. Promotion may end at any time at Waterfall Bank's discretion. Penalties apply for early withdrawal.
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
6-Month CD Term
$1,000
4.20%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details
Pacific National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
6 Month Certificate of Deposit
$0
3.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Wings Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
6-month certificate
$500
3.90%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 15, 2026
Details
New money only.
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
6 Month IRA Jumbo
$100,000
3.87%
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
UpdatedApr 15, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
6 Month IRA Share Certificate
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
6 Month Share Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details
Orlando Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
6-Month Jumbo Term Share Certificates
$100,000
3.51%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 15, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
6-Month Share Certificate
$100,000
3.45%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 15, 2026
Details
$100,000 Minimum to Earn APY
Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
6 Month Term Certificate
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
6-Month Term Certificate
$250,000
3.25%
▼
Rate3.20%
Min Deposit$250,000
Min Balance—
UpdatedApr 15, 2026
Details
Everence Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.68%
6 month Certificate
$100,000
3.20%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 15, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
6 month Share Certificate
$100,000
3.16%
▼
Rate3.12%
Min Deposit$100,000
Min Balance—
UpdatedApr 15, 2026
Details
TMH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
6-Month Share Certificate
$1,000
3.04%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details
First Coast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
6 Month Certificate and IRA Certificates
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
Traditional IRA / Roth IRA Share Certificates 6 month
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
$100,000 and above
We Florida Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
6 Month Business CD
$100
2.85%
▼
Rate2.81%
Min Deposit$100
Min Balance—
UpdatedApr 15, 2026
Details
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
6 Month SaveUP CD Jumbo Plus
$250,000
2.78%
▼
Rate2.75%
Min Deposit$250,000
Min Balance—
UpdatedApr 15, 2026
Details
Miami Postal Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
6 Month Youth CD Share Certificates
$250
2.05%
▼
Rate2.03%
Min Deposit$250
Min Balance—
UpdatedApr 15, 2026
Details
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
Share Certificates 6 month
$0
1.91%
▼
Rate1.90%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
6 Month Share CD
$500
1.40%
▼
Rate1.39%
Min Deposit$500
Min Balance—
UpdatedApr 15, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
6-month term Certificates (CDs)
$0
1.35%
▼
Rate1.34%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
6 MONTH CERTIFICATE
$0
1.26%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 15, 2026
Details
The Warrington Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
Certificate of Deposit 6 Month
$0
0.30%
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Gold Coast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
Student Certificate Accounts 6 Month
$250
0.25%
▼
Rate0.25%
Min Deposit$250
Min Balance—
UpdatedApr 15, 2026
Details
PNB Community Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.55%
6 Month Certificate of Deposit
$1,000
0.05%
▼
Rate0.05%
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
7650 W Courtney Campbell Cswy Ste 900, Tampa, FL 33607
IRA Certificates 1 Year Starter Add-On
$0
4.25%
▼
Rate4.18%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
3020 Melburne Blvd, Tampa, FL 33605
12 Month Certificate
$0
4.08%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Tampa Bay Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.65%
3815 N Nebraska Ave, Tampa, FL 33603
12 Month Certificate
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
3209 E Busch Blvd, Tampa, FL 33612 8737
12 Month Certificate of Deposit (IRA)
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Tampa Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
3501 Bessie Coleman Blvd, Tampa, FL 33630
12 Month IRA Certificate Accounts
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
BayFirst National Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.71%
3015 W Columbus Dr, Tampa, FL 33607
12-Month CD
$1,000
3.49%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
12 month CD
$500
3.40%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedApr 15, 2026
Details
FLC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
4830 W Kennedy Blvd, Tampa, FL 33609
Certificate of Deposit & IRA (Personal & Business)2 Promotional Rate: 1-Year
$50,000
3.35%
▼
Rate3.30%
Min Deposit$50,000
Min Balance—
UpdatedApr 15, 2026
Details
Opening Balance Required for Personal or Business is $50,000
Trax Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
3710 N 50th St, Tampa, FL 33619
Jumbo Share Certificates 1-Year Share Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
17635 Bruce B Downs Blvd, Tampa, FL 33647
12 Month CD
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Seacoast National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
400 N Ashley Dr, Tampa, FL 33602
12-Month CD (Certificate of Deposit)
$1,000
3.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
214 S Hyde Park Ave, Tampa, FL 33606
1 year Standard Fixed Rate CD
$2,500
1.51%
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
UpdatedApr 15, 2026
Details
INB National Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
2222 West Swann Avenue, Tampa, FL 33606
CD (1 year)a
$0
1.35%
▼
Rate1.35%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Daily Balances of $100,000.00 and over
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1300 N West Shore Blvd, Tampa, FL 33607
IRA - Individual Retirement Accounts 12-Month
$1,000
1.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
2307 W Kennedy Blvd, Tampa, FL 33609
12 Month IRA Certificates
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 15, 2026
Details
Relationship APY
Florida Customs Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5519 W Hillsborough Ave, Tampa, FL 33634
12 Month Term Share Certificates
$0
0.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
327 N Dale Mabry Hwy, Tampa, FL 33609
1-year convertible CD
$500
0.01%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 15, 2026
Details
Qualifying balance up to $49,000.00
Blue Coast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
12 Month CD
$1,000
4.20%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
12-Month Term Certificate
$1,000,000
4.05%
▼
Rate3.98%
Min Deposit$1,000,000
Min Balance—
UpdatedApr 15, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
12 Month HSA Fixed Rate Certificates
$1,000
4.03%
▼
Rate3.95%
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details
Adventhealth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
12-month Certificate
$500
4.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 15, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Dream Home Share Certificate 1 Year Retirement Share Certificate
$0
3.91%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
$10,000 - $49,999.99
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
12 Month IRA Jumbo
$100,000
3.87%
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
UpdatedApr 15, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
IRA - 1 Year k
$0
3.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
$100
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificate 12-Month
$0
3.84%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
1-year Certificate
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Jumbo 12 Month Certificates
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Minimum $75,000
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
JUMBO Regular & IRA Certificates 1 Year
$100,000
3.75%
▼
Rate3.70%
Min Deposit$100,000
Min Balance—
UpdatedApr 15, 2026
Details
Orlando Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
12-Month Jumbo Term Share Certificates
$100,000
3.71%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 15, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details
Annual Percentage Yield (APY) effective 03/25/2026 is subject to change at any time and is based on interest compounding quarterly. This is a limited time offer and can be withdrawn at any time without notice. Interest rates are fixed for the term of the Certificate of Deposit. A penalty is imposed for early withdrawal which would reduce earnings on your account. For more information on insurance coverage visit www.fdic.gov. Member FDIC
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
1 year Certificate
$0
3.61%
▼
Rate3.56%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Community South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
12-Month IRA Certificate
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 15, 2026
Details
EGLIN
Institution Rating:
A5.0 ★Texas Ratio: 6.79%
365 days / 12 month Share Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
12 month Share Certificate
$100,000
3.31%
▼
Rate3.27%
Min Deposit$100,000
Min Balance—
UpdatedApr 15, 2026
Details
BROWARD HEALTHCARE
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
Share/IRA Certificates 12 Month
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
First Coast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
1 Year Certificate and IRA Certificates
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Youth Advantage - 12 Month Term Jumbo
$100,000
3.05%
▼
Rate3.00%
Min Deposit$100,000
Min Balance—
UpdatedApr 15, 2026
Details
First Bank Clewiston, FL
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
12 Month Certificates of Deposit (CDs)
$2,500
3.04%
▼
Rate3.00%
Min Deposit$2,500
Min Balance—
UpdatedApr 15, 2026
Details
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
Share Certificates 12 month
$0
2.92%
▼
Rate2.88%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
12 MONTH IRA CERT
$0
2.78%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Funding Limit: $12M
We Florida Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
12 Month Business CD
$100
2.75%
▼
Rate2.72%
Min Deposit$100
Min Balance—
UpdatedApr 15, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Jumbo Term Share Certificates 1 Year
$0
2.70%
▼
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Rate2.48%
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
1-Year Certificate of Deposit (CD)
$0
2.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
12 month Certificate Account
$0
2.35%
▼
Rate2.33%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Farmers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
12 Month Certificate of Deposit
$0
2.10%
▼
Rate2.10%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
12 Month IRA CD
$0
2.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
1 Year Share Certificate
$0
1.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Tampa Bay Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.65%
3815 N Nebraska Ave, Tampa, FL 33603
18 Month Market Watch Share Certificate
$500
4.15%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 15, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
10824 N Dale Mabry Hwy, Tampa, FL 33618
18 month Share Certificates
$100,000
3.50%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 15, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
18 month IRA CD
$100,000
3.35%
▼
Rate3.30%
Min Deposit$100,000
Min Balance—
UpdatedApr 15, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
3209 E Busch Blvd, Tampa, FL 33612 8737
18 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Tampa Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
3501 Bessie Coleman Blvd, Tampa, FL 33630
18 Month Share Certificate Accounts
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Trax Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
3710 N 50th St, Tampa, FL 33619
18-Month Certificate
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1300 N West Shore Blvd, Tampa, FL 33607
IRA - Individual Retirement Accounts 18-Month
$1,000
2.65%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
2307 W Kennedy Blvd, Tampa, FL 33609
18 Month IRA Certificates
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 15, 2026
Details
Relationship APY
FLC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
4830 W Kennedy Blvd, Tampa, FL 33609
Certificate of Deposit & IRA (Personal & Business)2 18-Month
$0
0.35%
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Florida Customs Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5519 W Hillsborough Ave, Tampa, FL 33634
18 Month Term Share Certificates
$0
0.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Traditional/Roth IRA Certificates 18 Month IRA
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
$100,000 and over
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 15, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
18 Month IRA Jumbo
$100,000
3.87%
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
UpdatedApr 15, 2026
Details
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
Petite Share Certificates 18 month
$40,000
3.80%
▼
Rate3.73%
Min Deposit$40,000
Min Balance—
UpdatedApr 15, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 18-Month Variable
$100,000
3.69%
▼
Rate3.63%
Min Deposit$100,000
Min Balance—
UpdatedApr 15, 2026
Details
$100,000 Minimum to Earn APY
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
18 MONTH CERTIFICATE
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
18 Month Certificates of Deposit/IRA Certificates of Deposit (CDs)
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Relationship
EGLIN
Institution Rating:
A5.0 ★Texas Ratio: 6.79%
548 days / 18 month Share Certificate
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
18 month Share Certificate
$100,000
3.41%
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedApr 15, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
18 month term
$0
3.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
18 Month Bump Up Share Certificate
$0
3.14%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
SPECIAL Share Certificate Rates
Orlando Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
18-Month Jumbo Term Share Certificates
$100,000
3.09%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 15, 2026
Details
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
Share Certificates 18 month
$0
3.07%
▼
Rate3.03%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
18-Month Term Certificate
$100,000
3.05%
▼
Rate3.01%
Min Deposit$100,000
Min Balance—
UpdatedApr 15, 2026
Details
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
18 month Certificate Account
$0
2.40%
▼
Rate2.37%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
We Florida Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
18 Month Business CD
$100
1.50%
▼
Rate1.49%
Min Deposit$100
Min Balance—
UpdatedApr 15, 2026
Details
PNB Community Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.55%
18 Month Certificate of Deposit
$1,000
0.10%
▼
Rate0.10%
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
24 month IRA CD
$100,000
3.85%
▼
Rate3.78%
Min Deposit$100,000
Min Balance—
UpdatedApr 15, 2026
Details
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
3020 Melburne Blvd, Tampa, FL 33605
24 Month Certificate
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Tampa Bay Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.65%
3815 N Nebraska Ave, Tampa, FL 33603
24 Month Share Certificate
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 15, 2026
Details
PowerNet Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
5619 Harney Rd, Tampa, FL 33610
24 Month Certificate
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Early withdrawal penalties may apply.
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
3209 E Busch Blvd, Tampa, FL 33612 8737
24 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Tampa Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
3501 Bessie Coleman Blvd, Tampa, FL 33630
24 Month IRA Certificate Accounts
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Trax Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
3710 N 50th St, Tampa, FL 33619
Jumbo Share Certificates 2-Year Share Certificate
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1300 N West Shore Blvd, Tampa, FL 33607
IRA - Individual Retirement Accounts 24-Month
$1,000
2.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
BayFirst National Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.71%
3015 W Columbus Dr, Tampa, FL 33607
24-Month CD
$1,000
2.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
10824 N Dale Mabry Hwy, Tampa, FL 33618
2 year Share Certificates
$0
2.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
INB National Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
2222 West Swann Avenue, Tampa, FL 33606
CD (2 year)a
$0
1.55%
▼
Rate1.55%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
FLC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
4830 W Kennedy Blvd, Tampa, FL 33609
Certificate of Deposit & IRA (Personal & Business)2 2-Year
$0
0.35%
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
24 MONTH CERTIFICATE
$0
4.16%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Dream Home Share Certificate 2 Year Retirement Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
$100,000 and over
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
Petite Share Certificates 24 month
$40,000
3.95%
▼
Rate3.87%
Min Deposit$40,000
Min Balance—
UpdatedApr 15, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
24 Month HSA Fixed Rate Certificates
$1,000
3.93%
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
24 Month IRA Jumbo
$100,000
3.87%
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
UpdatedApr 15, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
24-Month Term Certificate
$500,000
3.80%
▼
Rate3.73%
Min Deposit$500,000
Min Balance—
UpdatedApr 15, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
2-Year Share Certificate
$1,000
3.77%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details
Unity Of Eatonville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
24-Month Share Certificate Account
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details
$1,000-$9,999
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Jumbo College Saver Certificates 24-Month
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Minimum to open & earn dividends: $100,000
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
JUMBO Regular & IRA Certificates 2 Year
$100,000
3.60%
▼
Rate3.55%
Min Deposit$100,000
Min Balance—
UpdatedApr 15, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
IRA Certificates 24 Month
$0
3.59%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
Wealth Center/Telephone Deposit Account CDs 24 Month
$1,000
3.55%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details
Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
24 Month Term Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
24 month Share Certificate
$100,000
3.41%
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedApr 15, 2026
Details
BROWARD HEALTHCARE
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
Star/IRA Certificates 24 Month
$0
3.31%
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Community South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
24-Month IRA Certificate
$500
3.29%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 15, 2026
Details
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
Share IRA Certificates 24 month
$0
3.07%
▼
Rate3.03%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
Business Share Certificates 24 Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Funding Limit: $1M
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
24-month term Certificates (CDs)
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
24 month Certificate Account
$0
2.55%
▼
Rate2.52%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
24 Month IRA CD
$0
2.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
24 month term
$0
2.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
2-Year Certificate of Deposit (CD)
$0
1.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Jax Fire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
24 Month Certificate
$500
1.46%
▼
Rate1.45%
Min Deposit$500
Min Balance—
UpdatedApr 15, 2026
Details
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
PNB Community Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.55%
24 Month Certificate of Deposit
$1,000
0.15%
▼
Rate0.15%
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
36 month IRA CD
$100,000
3.55%
▼
Rate3.49%
Min Deposit$100,000
Min Balance—
UpdatedApr 15, 2026
Details
PowerNet Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
5619 Harney Rd, Tampa, FL 33610
36 Month Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Early withdrawal penalties may apply.
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
3209 E Busch Blvd, Tampa, FL 33612 8737
36 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Tampa Bay Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.65%
3815 N Nebraska Ave, Tampa, FL 33603
36 Month Share Certificate
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 15, 2026
Details
Trax Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
3710 N 50th St, Tampa, FL 33619
Jumbo Share Certificates 3-Year Share Certificate
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Tampa Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
3501 Bessie Coleman Blvd, Tampa, FL 33630
36 Month IRA Certificate Accounts
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
BayFirst National Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.71%
3015 W Columbus Dr, Tampa, FL 33607
36-Month CD
$1,000
2.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
10824 N Dale Mabry Hwy, Tampa, FL 33618
3 year Share Certificates
$100,000
2.20%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 15, 2026
Details
INB National Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
2222 West Swann Avenue, Tampa, FL 33606
IRA (3 Year)
$0
1.55%
▼
Rate1.55%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
FLC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
4830 W Kennedy Blvd, Tampa, FL 33609
Certificate of Deposit & IRA (Personal & Business)2 3-Year
$0
0.45%
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Adjustable 36 Month Term Super Jumbo Max
$1,000,000
4.18%
▼
Rate4.10%
Min Deposit$1,000,000
Min Balance—
UpdatedApr 15, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3 Year Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
36 MONTH CERTIFICATE
$0
3.91%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Traditional and Roth IRA 36 month
$500
3.90%
▼
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedApr 15, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
36 Month IRA Jumbo
$100,000
3.87%
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
UpdatedApr 15, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Total Direct Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
36-month online CD
$25,000
3.76%
▼
Rate3.69%
Min Deposit$25,000
Min Balance—
UpdatedApr 15, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificates 36 Month
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
3-Year Share Certificate
$1,000
3.67%
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 15, 2026
Details
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
Petite Share Certificates 36 month
$40,000
3.64%
▼
Rate3.58%
Min Deposit$40,000
Min Balance—
UpdatedApr 15, 2026
Details
Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
36 Month Term Jumbo Certificate
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 36-Month Variable
$100,000
3.58%
▼
Rate3.52%
Min Deposit$100,000
Min Balance—
UpdatedApr 15, 2026
Details
$100,000 Minimum to Earn APY
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
36-Month Term Certificate
$100,000
3.45%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 15, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
3-year Certificate
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
36 Month BUMP Share Certificates
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
36 Month Certificates of Deposit/IRA Certificates of Deposit (CDs)
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Non-Relationship
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 15, 2026
Details
Community South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
36-Month IRA Certificate
$500
3.03%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 15, 2026
Details
Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
36 month CD & IRA CD
$1,000
2.80%
▼
Rate2.77%
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details
First Bank Clewiston, FL
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
36 Month Certificates of Deposit (CDs)
$2,500
2.78%
▼
Rate2.75%
Min Deposit$2,500
Min Balance—
UpdatedApr 15, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
36 month Certificate Account
$0
2.65%
▼
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
Share IRA Certificates 36 month
$0
2.55%
▼
Rate2.52%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Farmers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
36 Month Certificate of Deposit
$0
2.30%
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
First Coast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
3 Year Certificate and IRA Certificates
$0
2.28%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Pinellas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
3 Year Certificate Accounts
$0
2.25%
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
3-Year Certificate of Deposit (CD)
$0
2.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Jax Fire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
36 Month Certificate
$500
1.81%
▼
Rate1.80%
Min Deposit$500
Min Balance—
UpdatedApr 15, 2026
Details
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
PNB Community Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.55%
36 Month Certificate of Deposit
$1,000
0.15%
▼
Rate0.15%
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details
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: 0.00%
1300 N West Shore Blvd, Tampa, FL 33607
IRA - Individual Retirement Accounts 48-Month
$1,000
3.65%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
PowerNet Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
5619 Harney Rd, Tampa, FL 33610
48 Month Certificate
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Early withdrawal penalties may apply.
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
3209 E Busch Blvd, Tampa, FL 33612 8737
48 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Trax Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
3710 N 50th St, Tampa, FL 33619
Jumbo Share Certificates 4-Year Share Certificate
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
48 month IRA CD
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
113 E Whiting St, Tampa, FL 33602
48-Month Certificate of Deposit
$500
3.05%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 15, 2026
Details
Tampa Bay Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.65%
3815 N Nebraska Ave, Tampa, FL 33603
48 Month Share Certificate
$500
3.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 15, 2026
Details
Tampa Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
3501 Bessie Coleman Blvd, Tampa, FL 33630
48 Month Share Certificate Accounts
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
INB National Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
2222 West Swann Avenue, Tampa, FL 33606
IRA (4 Year)
$0
1.65%
▼
Rate1.65%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
FLC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
4830 W Kennedy Blvd, Tampa, FL 33609
Certificate of Deposit & IRA (Personal & Business)2 4-Year
$0
0.55%
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
48 Month IRA Jumbo
$100,000
3.87%
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
UpdatedApr 15, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
48-Month Term Certificate
$750,000
3.85%
▼
Rate3.78%
Min Deposit$750,000
Min Balance—
UpdatedApr 15, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificates 48 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 15, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
4-Year Share Certificate
$1,000
3.72%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
48 MONTH CERTIFICATE
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
48-Month Share Certificate
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedApr 15, 2026
Details
$100,000 Minimum to Earn APY
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
IRA Share Certificates 48 month
$1,000
3.45%
▼
Rate3.39%
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
EGLIN
Institution Rating:
A5.0 ★Texas Ratio: 6.79%
1460 days / 48 month Share Certificate
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Insight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
48 Month Certificates Jumbo Certificate
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
48 month Share Certificate
$100,000
3.21%
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedApr 15, 2026
Details
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
JUMBO Regular & IRA Certificates 4 Year
$100,000
3.19%
▼
Rate3.15%
Min Deposit$100,000
Min Balance—
UpdatedApr 15, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
48-month term Certificates (CDs)
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Panhandle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
48-Month IRA Certificate
$0
2.65%
▼
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
48 month term
$0
2.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
4-Year Certificate of Deposit (CD)
$0
2.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
First Coast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
4 Year Certificate and IRA Certificates
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Jax Fire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
48 Month Certificate
$500
1.92%
▼
Rate1.90%
Min Deposit$500
Min Balance—
UpdatedApr 15, 2026
Details
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
PowerNet Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
5619 Harney Rd, Tampa, FL 33610
60 Month Certificate
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Early withdrawal penalties may apply.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1300 N West Shore Blvd, Tampa, FL 33607
IRA - Individual Retirement Accounts 60-Month
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
17635 Bruce B Downs Blvd, Tampa, FL 33647
60 Month CD
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
3209 E Busch Blvd, Tampa, FL 33612 8737
60 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
60 month IRA CD
$100,000
3.20%
▼
Rate3.15%
Min Deposit$100,000
Min Balance—
UpdatedApr 15, 2026
Details
BayFirst National Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.71%
3015 W Columbus Dr, Tampa, FL 33607
60-Month CD
$1,000
3.01%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details
Tampa Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
3501 Bessie Coleman Blvd, Tampa, FL 33630
60 Month IRA Certificate Accounts
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
10824 N Dale Mabry Hwy, Tampa, FL 33618
5 year Share Certificate
$100,000
2.20%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 15, 2026
Details
INB National Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
2222 West Swann Avenue, Tampa, FL 33606
CD (5 year)
$0
1.95%
▼
Rate1.95%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
FLC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
4830 W Kennedy Blvd, Tampa, FL 33609
Certificate of Deposit & IRA (Personal & Business)2 5-Year
$0
0.45%
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
60 Month Term Super Jumbo Max CD
$1,000,000
4.18%
▼
Rate4.10%
Min Deposit$1,000,000
Min Balance—
UpdatedApr 15, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Dream Home Share Certificate 5 Year Retirement Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
$100,000 and over
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
60 Month IRA CD
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
60 Month IRA Jumbo
$100,000
3.92%
▼
Rate3.85%
Min Deposit$100,000
Min Balance—
UpdatedApr 15, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
5-Year Share Certificate
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Jumbo 60 Month Certificates
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Minimum $75,000
Total Direct Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
60-month online CD
$25,000
3.76%
▼
Rate3.69%
Min Deposit$25,000
Min Balance—
UpdatedApr 15, 2026
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
60 Month Certificates of Deposit/IRA Certificates of Deposit (CDs)
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Relationship
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
60 Month IRA
$500
3.70%
▼
Rate3.64%
Min Deposit$500
Min Balance—
UpdatedApr 15, 2026
Details
Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
60 Month Term Jumbo Certificate
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
60-Month Term Certificate
$100,000
3.55%
▼
Rate3.49%
Min Deposit$100,000
Min Balance—
UpdatedApr 15, 2026
Details
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
JUMBO Regular & IRA Certificates 5 Year
$100,000
3.44%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 15, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
60 MONTH CERTIFICATE
$0
3.39%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
IRA Share Certificates 60 month
$1,000
3.34%
▼
Rate3.29%
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details
Unity Of Eatonville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
60-Month Share Certificate Account
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
60 month Share Certificate
$100,000
3.21%
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedApr 15, 2026
Details
Addition Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
60 Month Certificate
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
60-month term Certificates (CDs)
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Community South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
60-Month IRA Certificate
$500
3.03%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 15, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
60 month Certificate Account
$0
2.85%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
60 month CD & IRA CD
$1,000
2.80%
▼
Rate2.77%
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 15, 2026
Details
A penalty may be imposed for early withdrawal.
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
Share Certificates 60 month
$0
2.55%
▼
Rate2.52%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
First Coast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
5 Year Certificate and IRA Certificates
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Panhandle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
60-Month IRA Certificate
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
5-Year Certificate of Deposit (CD)
$0
2.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details
We Florida Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
IRA 60 Month CD
$100
1.02%
▼
Rate1.02%
Min Deposit$100
Min Balance—
UpdatedApr 15, 2026
Details
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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
2.543%
▼ 0.009 vs 7 days ago
Florida 12-month CD rates fell 0.009 points over the past 7 days to 2.543% APY.
6-Month CD — FL Avg
2.364%
▲ 0.014 vs 7 days ago
Florida 6-month CD rates rose 0.014 points over the past 7 days to 2.364% APY.
As of Apr 15, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
FL CD Rate Forecast — Next 12 Months
Where are Florida CD rates headed through April 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
FL 12-Month Avg APY
2.543%
6-Month Forecast
2.543%
Range: 2.34% – 2.69%
12-Month Forecast
2.293%
Range: 2.09% – 2.44%
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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 | 1.865% | $93.25 | $186.50 | $466.25 | $932.50 |
| 6-Month CD | 2.364% | $118.20 | $236.39 | $590.98 | $1,181.95 |
| 12-Month CD | 2.543% | $127.14 | $254.27 | $635.68 | $1,271.35 |
| 18-Month CD | 2.757% | $137.83 | $275.65 | $689.13 | $1,378.25 |
| 24-Month CD | 2.706% | $135.31 | $270.62 | $676.55 | $1,353.10 |
| 36-Month CD | 2.750% | $137.49 | $274.97 | $687.43 | $1,374.85 |
| 48-Month CD | 2.923% | $146.17 | $292.34 | $730.85 | $1,461.70 |
| 60-Month CD | 2.762% | $138.10 | $276.19 | $690.48 | $1,380.95 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of April 15, 2026. | |||||
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 | 1.865% | $93.25 |
| 2 | 6-Month CD | $5,000 | 2.364% | $118.20 |
| 3 | 12-Month CD | $5,000 | 2.543% | $127.14 |
| 4 | 24-Month CD | $5,000 | 2.706% | $135.31 |
| 5 | 36-Month CD | $5,000 | 2.750% | $137.49 |
| Total ($25,000 invested) | $25,000 | 2.446% blended | $611.39/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.
92
Institutions
in Tampa, Florida
in Tampa, Florida
33 Banks
59 Credit Unions
About Our Tampa, Florida CD Rate Database
MonitorBankRates tracks CD rates from 33 banks and 59 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 (1–5), 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: U S POSTAL SERVICE offers a CD at 4.25% 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 59 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 — 92 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Tampa, Florida savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → 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
$116/yr
At FL 12-mo avg 2.543% 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 2.543%, saving 10% of the local median salary ($4,548/year) and putting it in a CD would earn an additional $116 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 (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
Frequently Asked Questions about CD Rates in 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:
- U S POSTAL SERVICE: 4.25% APY (IRA Certificates 1 Year Starter Add-On)
- Tampa Bay Federal Credit Union: 4.15% APY (18 Month Market Watch Share Certificate)
- Achieva Credit Union: 4.10% APY (6 month IRA CD)
- Florida West Coast Credit Union: 4.08% APY (12 Month Certificate)
- Dfcu Financial Credit Union: 4.00% APY (Business Share Certificates 6 month)
- INB National Association: 3.73% APY (6-Month CD Special)
- Republic Bank & Trust Company: 3.65% APY (IRA - Individual Retirement Accounts 48-Month)
- United Community Bank: 3.65% APY (6-month CD)
- BayFirst National Bank: 3.64% APY (6-Month CD)
- Together Credit Union: 3.60% APY (12 Month Certificate of Deposit (IRA))
Rates reflect recent verified offers available in Tampa, Florida. Last Updated: April 15, 2026
CD Calculators for Tampa, Florida
Tampa, Florida CD Calculator
At today’s FL top rate of 4.25% APY, a $10,000 deposit earns $425 in the first year. Enter your amount to see your exact return.
Tampa, Florida CD LadderFL CD rates currently range from 1.865% (3-month) to 2.750% (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 4.25% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsFlorida’s average 12-month CD is 2.543% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for 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 pulling data straight from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in 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: April 15, 2026
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