MonitorBankRates
☰
Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results
iAdvertiser Disclosure
Advertiser Disclosure Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
CD Rate Trends

West Miami, Florida Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
  • Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio
| iEditorial Disclosure
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.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 12, 2026

West Miami, Florida CD rates range from 2.25% to 5.20% APY, verified by MonitorBankRates as of October 12, 2026. Current West Miami, Florida CD rates include City National Bank of FloridaCity National Bank of Florida5782 Sw 8th St, West Miami, FL 33144A5.0 ★Texas Ratio: 7.12%Real return: +1.70%APY minus CPI (February 2026) offering 24-month online CD at 4.50% APY, Ocean BankOcean Bank6600 Sw 8th St, West Miami, FL 33144A+5.0 ★Texas Ratio: 3.23%Real return: +0.70%APY minus CPI (February 2026) offering 6 Months CD at 3.50% APY, Raymond James BankRaymond James BankA+5.0 ★Texas Ratio: 3.19%Real return: +2.40%APY minus CPI (February 2026) offering 60 Month Certificate at 5.20% APY, Platinum Federal Credit UnionPlatinum Federal Credit UnionA+5.0 ★Texas Ratio: 1.89%Real return: +2.20%APY minus CPI (February 2026) offering 12 Month Family Legacy Certificate Account at 5.00% APY, and Brightstar Credit UnionBrightstar Credit UnionA+5.0 ★Texas Ratio: 4.57%Real return: +2.20%APY minus CPI (February 2026) offering 5-Year Certificate at 5.00% APY. CD rates as of October 12, 2026 according to verified data from MonitorBankRates.

West Miami has 7 local institutions in our database, with CD rates as high as 4.50% APY from City National Bank of Florida at 5782 Sw 8th St, West Miami, FL 33144. 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 12, 2026

Compare Best CD Rates in West Miami, Florida & the Surrounding Area

Jump to: 3 Month · 6 Month · 12 Month · 18 Month · 24 Month · 36 Month · 48 Month · 60 Month

West Miami 3 Month CD Rates

Florida 3 Month CD Average2.07% APYNational 2.10%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
City National Bank of Florida
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
5782 Sw 8th St, West Miami, FL 33144
3-month online CD
$25,000
4.00% ▲ 1.93% above Florida avg
View
▼
Rate3.92%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.07%▲ 1.93% above avgNationally 2.10%
Details

Available for current 3-Month CD clients only. Online-only high-yield rates.

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 12, 2026
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
3 Month Certificate
$0
4.30% ▲ 2.23% above Florida avg
View
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.07%▲ 2.23% above avgNationally 2.10%
Details

Rate History
No change since Oct 6, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 6, 2026: 4.30% APYOct 6, 2026Oct 12, 2026
Banesco USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
3 month CD
$1,000
3.85% ▲ 1.78% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.07%▲ 1.78% above avgNationally 2.10%
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%
3.30%3.82%4.35%Sep 30, 2026: 3.80% APYOct 6, 2026: 3.85% APYSep 30, 2026Oct 12, 2026
  • 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%
3 Month CD
$0
3.75% ▲ 1.68% above Florida avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average2.07%▲ 1.68% above avgNationally 2.10%
Details

Balance: 3 Months - $500

Rate History
1 change since Sep 18, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 18, 2026: 3.50% APYOct 5, 2026: 3.75% APYSep 18, 2026Oct 12, 2026
  • Oct 5, 20263.75%▲ from 3.50%
  • Sep 18, 20263.50%first recorded
Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
3 Month IRA CD
$0
3.75% ▲ 1.68% above Florida avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average2.07%▲ 1.68% above avgNationally 2.10%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 14, 2026: 3.50% APYSep 22, 2026: 3.75% APYSep 14, 2026Oct 12, 2026
  • Sep 22, 20263.75%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
3 Month IRA Jumbo
$100,000
3.71% ▲ 1.64% above Florida avg
View
▼
Rate3.65%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.07%▲ 1.64% above avgNationally 2.10%
Details

Rate History
No change since Sep 14, 2026 · 3.71% APY · checked 7 times
3.21%3.71%4.21%Sep 14, 2026: 3.71% APYSep 14, 2026Oct 12, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
3 Month Certificate
$1,000
3.66% ▲ 1.59% above Florida avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.07%▲ 1.59% above avgNationally 2.10%
Details

Rate History
No change since Sep 22, 2026 · 3.66% APY · checked 5 times
3.16%3.66%4.16%Sep 22, 2026: 3.66% APYSep 22, 2026Oct 12, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
3 Month IRA
$1,000
3.66% ▲ 1.59% above Florida avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.07%▲ 1.59% above avgNationally 2.10%
Details

Rate History
No change since Sep 14, 2026 · 3.66% APY · checked 7 times
3.16%3.66%4.16%Sep 14, 2026: 3.66% APYSep 14, 2026Oct 12, 2026
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
3 Month Performance CD
$0
3.60% ▲ 1.53% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.07%▲ 1.53% above avgNationally 2.10%
Details

Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 12, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
3 Month IRA Certificate
$0
3.60% ▲ 1.53% above Florida avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Florida Average2.07%▲ 1.53% above avgNationally 2.10%
Details

Rate History
No change since Sep 29, 2026 · 3.60% APY
3.10%3.60%4.10%Sep 29, 2026: 3.60% APYSep 29, 2026Oct 12, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
3 Month Share Certificates
$0
3.60% ▲ 1.53% above Florida avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Florida Average2.07%▲ 1.53% above avgNationally 2.10%
Details

Rate History
No change since Sep 29, 2026 · 3.60% APY
3.10%3.60%4.10%Sep 29, 2026: 3.60% APYSep 29, 2026Oct 12, 2026
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
3-Month Certificate of Deposit
$500
3.55% ▲ 1.48% above Florida avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.07%▲ 1.48% above avgNationally 2.10%
Details

Earn 3.55% APY on balances of $500 or more.

Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Oct 12, 2026
Newtek Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
3 Month CD
$2,500
3.50% ▲ 1.43% above Florida avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.07%▲ 1.43% above avgNationally 2.10%
Details

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 12, 2026
Launch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
3 Month Business Share Certificate
$0
3.45% ▲ 1.38% above Florida avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.07%▲ 1.38% above avgNationally 2.10%
Details

Existing certificates only - no new accounts offered

Rate History
No change since Sep 18, 2026 · 3.45% APY · checked 5 times
2.95%3.45%3.95%Sep 18, 2026: 3.45% APYSep 18, 2026Oct 12, 2026
Launch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
3 Month Share Certificate
$0
3.45% ▲ 1.38% above Florida avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.07%▲ 1.38% above avgNationally 2.10%
Details

Existing certificates only - no new accounts offered

Rate History
No change since Sep 18, 2026 · 3.45% APY · checked 2 times
2.95%3.45%3.95%Sep 18, 2026: 3.45% APYSep 18, 2026Oct 12, 2026
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
3 Month Term Share Certificates
$1,000
3.40% ▲ 1.33% above Florida avg
View
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.07%▲ 1.33% above avgNationally 2.10%
Details

Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 5 times
2.90%3.40%3.90%Sep 18, 2026: 3.40% APYSep 18, 2026Oct 12, 2026
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
Jumbo Term Share Certificates - 3 Months
$0
3.40% ▲ 1.33% above Florida avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.07%▲ 1.33% above avgNationally 2.10%
Details

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 6 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 12, 2026
Axiom Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
Business 3 Months
$0
3.35% ▲ 1.28% above Florida avg
View
▼
Rate3.29%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.07%▲ 1.28% above avgNationally 2.10%
Details

Rate History
No change since Sep 11, 2026 · 3.35% APY · checked 3 times
2.85%3.35%3.85%Sep 11, 2026: 3.35% APYSep 11, 2026Oct 12, 2026
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
3-Month Share Certificate
$1,000
3.35% ▲ 1.28% above Florida avg
View
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average2.07%▲ 1.28% above avgNationally 2.10%
Details

Penalty for early withdrawal: 3 Months Dividends

Rate History
1 change since Sep 14, 2026 · 3.26% → 3.35% ▲ 0.09 pts · high 3.35% / low 3.26%
2.76%3.30%3.85%Sep 14, 2026: 3.26% APYSep 18, 2026: 3.35% APYSep 14, 2026Oct 12, 2026
  • Sep 18, 20263.35%▲ from 3.26%
  • Sep 14, 20263.26%first recorded
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3 Month IRA/HSA CD
$0
3.30% ▲ 1.23% above Florida avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average2.07%▲ 1.23% above avgNationally 2.10%
Details

VIP Bonus Rate: 3.49%, VIP Bonus APY: 3.55%

Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 5 times
2.80%3.30%3.80%Sep 18, 2026: 3.30% APYSep 18, 2026Oct 12, 2026
Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
3 Month Jumbo Certificate
$0
3.29% ▲ 1.22% above Florida avg
View
▼
Rate3.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average2.07%▲ 1.22% above avgNationally 2.10%
Details

Rate History
No change since Oct 5, 2026 · 3.29% APY · checked 2 times
2.79%3.29%3.79%Oct 5, 2026: 3.29% APYOct 5, 2026Oct 12, 2026
Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
3 Month Standard Certificate
$0
3.26% ▲ 1.19% above Florida avg
View
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average2.07%▲ 1.19% above avgNationally 2.10%
Details

Rate History
No change since Oct 5, 2026 · 3.26% APY · checked 2 times
2.76%3.26%3.76%Oct 5, 2026: 3.26% APYOct 5, 2026Oct 12, 2026
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
3-Month Term Certificate
$0
3.25% ▲ 1.18% above Florida avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.07%▲ 1.18% above avgNationally 2.10%
Details

Balance: $1,000,000 OR HIGHER

Rate History
No change since Sep 24, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 24, 2026: 3.25% APYSep 24, 2026Oct 12, 2026
Seacoast National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
3-Month CD
$0
3.25% ▲ 1.18% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.07%▲ 1.18% above avgNationally 2.10%
Details

Rate History
No change since Sep 27, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 27, 2026: 3.25% APYSep 27, 2026Oct 12, 2026
First Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
3 Month Certificate
$1,000
3.25% ▲ 1.18% above Florida avg
View
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average2.07%▲ 1.18% above avgNationally 2.10%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 12, 2026
First Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
3 Month IRA Certificate
$1,000
3.25% ▲ 1.18% above Florida avg
View
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average2.07%▲ 1.18% above avgNationally 2.10%
Details

Open

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 12, 2026
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
3 Month Certificate
$500
3.25% ▲ 1.18% above Florida avg
View
▼
Rate3.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.07%▲ 1.18% above avgNationally 2.10%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 12, 2026
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
3 Month IRA Certificate
$500
3.25% ▲ 1.18% above Florida avg
View
▼
Rate3.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.07%▲ 1.18% above avgNationally 2.10%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 12, 2026
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
IRA Certificate - 3 Months
$500
3.25% ▲ 1.18% above Florida avg
View
▼
Rate3.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.07%▲ 1.18% above avgNationally 2.10%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 12, 2026
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
3 Month AMP Term Share Certificates
$0
3.25% ▲ 1.18% above Florida avg
View
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.07%▲ 1.18% above avgNationally 2.10%
Details

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 12, 2026
Panhandle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
90-Day IRA Certificate
$50
3.25% ▲ 1.18% above Florida avg
View
▼
Rate3.20%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.07%▲ 1.18% above avgNationally 2.10%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 12, 2026
Panhandle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
90-Day Share Certificate
$1,000
3.25% ▲ 1.18% above Florida avg
View
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.07%▲ 1.18% above avgNationally 2.10%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 12, 2026
Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
3 Month Promotional Share Certificate
$0
3.20% ▲ 1.13% above Florida avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average2.07%▲ 1.13% above avgNationally 2.10%
Details

Balance: $50,000 or more

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.20% ▼ 0.30 pts · high 3.50% / low 3.20%
2.70%3.35%4.00%Sep 14, 2026: 3.50% APYOct 5, 2026: 3.20% APYSep 14, 2026Oct 12, 2026
  • Oct 5, 20263.20%▼ from 3.50%
  • Sep 14, 20263.50%first recorded
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
90 Day Certificate
$2,000
3.15% ▲ 1.08% above Florida avg
View
▼
Rate3.10%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.07%▲ 1.08% above avgNationally 2.10%
Details

Rate History
No change since Oct 7, 2026 · 3.15% APY · checked 2 times
2.65%3.15%3.65%Oct 7, 2026: 3.15% APYOct 7, 2026Oct 12, 2026
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
3-Month Term Certificate
$0
3.15% ▲ 1.08% above Florida avg
View
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.07%▲ 1.08% above avgNationally 2.10%
Details

Balance: $750,000-$999,999.99

Rate History
No change since Sep 24, 2026 · 3.15% APY · checked 5 times
2.65%3.15%3.65%Sep 24, 2026: 3.15% APYSep 24, 2026Oct 12, 2026
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3 Month CD
$0
3.15% ▲ 1.08% above Florida avg
View
▼
Rate3.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average2.07%▲ 1.08% above avgNationally 2.10%
Details

VIP Bonus Rate: 3.35%, VIP Bonus APY: 3.40%

Rate History
No change since Sep 18, 2026 · 3.15% APY · checked 5 times
2.65%3.15%3.65%Sep 18, 2026: 3.15% APYSep 18, 2026Oct 12, 2026
Okaloosa County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
3 Month Certificate
$0
3.14% ▲ 1.07% above Florida avg
View
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average2.07%▲ 1.07% above avgNationally 2.10%
Details

Rate History
No change since Sep 14, 2026 · 3.14% APY · checked 7 times
2.64%3.14%3.64%Sep 14, 2026: 3.14% APYSep 14, 2026Oct 12, 2026
Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
3 Month Promotional Share Certificate
$0
3.10% ▲ 1.03% above Florida avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average2.07%▲ 1.03% above avgNationally 2.10%
Details

Balance: $25,000 - $49,999

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.10% ▼ 0.40 pts · high 3.50% / low 3.10%
2.60%3.30%4.00%Sep 14, 2026: 3.50% APYOct 5, 2026: 3.10% APYSep 14, 2026Oct 12, 2026
  • Oct 5, 20263.10%▼ from 3.50%
  • Sep 14, 20263.50%first recorded
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
Relationship CD - 3 Month
$0
3.05% ▲ 0.98% above Florida avg
View
▼
Rate3.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.07%▲ 0.98% above avgNationally 2.10%
Details

Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 7 times
2.55%3.05%3.55%Sep 14, 2026: 3.05% APYSep 14, 2026Oct 12, 2026
Jax Fire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
3 Month Certificate
$500
3.04% ▲ 0.97% above Florida avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.07%▲ 0.97% above avgNationally 2.10%
Details

Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 6 times
2.54%3.04%3.54%Sep 14, 2026: 3.04% APYSep 14, 2026Oct 12, 2026
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
3-Month Term Certificate
$0
3.00% ▲ 0.93% above Florida avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.07%▲ 0.93% above avgNationally 2.10%
Details

Balance: $50,000-$99,999.99

Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 24, 2026: 3.00% APYSep 24, 2026Oct 12, 2026
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
Fixed Rate of Return - 3 Month
$2,500
3.00% ▲ 0.93% above Florida avg
View
▼
Rate2.96%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.07%▲ 0.93% above avgNationally 2.10%
Details

Rate History
No change since Oct 7, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 7, 2026: 3.00% APYOct 7, 2026Oct 12, 2026
Amerant Bank
Institution Rating:
B+4.7 ★Texas Ratio: 18.65%
3 Month Certificate of Deposit
$0
3.00% ▲ 0.93% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.07%▲ 0.93% above avgNationally 2.10%
Details

Rate History
No change since Oct 7, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 7, 2026: 3.00% APYOct 7, 2026Oct 12, 2026
Commerce Bank & Trust Winter Park, FL
Institution Rating:
C-3.7 ★Texas Ratio: 30.17%
90 day CD
$500
3.00% ▲ 0.93% above Florida avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.07%▲ 0.93% above avgNationally 2.10%
Details

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

Rate History
1 change since Sep 19, 2026 · 2.75% → 3.00% ▲ 0.25 pts · high 3.00% / low 2.75%
2.25%2.88%3.50%Sep 19, 2026: 2.75% APYSep 24, 2026: 3.00% APYSep 19, 2026Oct 12, 2026
  • Sep 24, 20263.00%▲ from 2.75%
  • Sep 19, 20262.75%first recorded
Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
3 Month Promotional Share Certificate
$0
3.00% ▲ 0.93% above Florida avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average2.07%▲ 0.93% above avgNationally 2.10%
Details

Balance: $500 - $24,999

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.00% ▼ 0.50 pts · high 3.50% / low 3.00%
2.50%3.25%4.00%Sep 14, 2026: 3.50% APYOct 5, 2026: 3.00% APYSep 14, 2026Oct 12, 2026
  • Oct 5, 20263.00%▼ from 3.50%
  • Sep 14, 20263.50%first recorded
Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
3 Month Emergency Fund Certificate
$100
3.00% ▲ 0.93% above Florida avg
View
▼
Rate2.96%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average2.07%▲ 0.93% above avgNationally 2.10%
Details

Maximum Certificate balance: $10,000

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.00% ▼ 0.25 pts · high 3.25% / low 3.00%
2.50%3.13%3.75%Sep 14, 2026: 3.25% APYSep 21, 2026: 3.00% APYSep 14, 2026Oct 12, 2026
  • Sep 21, 20263.00%▼ from 3.25%
  • Sep 14, 20263.25%first recorded
Innovations Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
3 Month Compounding IRA Share Certificate
$0
3.00% ▲ 0.93% above Florida avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.07%▲ 0.93% above avgNationally 2.10%
Details

Rate History
No change since Sep 22, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Sep 22, 2026: 3.00% APYSep 22, 2026Oct 12, 2026
Innovations Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
3 Month Compounding Share Certificate
$0
3.00% ▲ 0.93% above Florida avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.07%▲ 0.93% above avgNationally 2.10%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 12, 2026
Innovations Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
3 Month Non-Compounding Share Certificate
$0
2.96% ▲ 0.89% above Florida avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.07%▲ 0.89% above avgNationally 2.10%
Details

Rate History
No change since Sep 18, 2026 · 2.96% APY · checked 5 times
2.46%2.96%3.46%Sep 18, 2026: 2.96% APYSep 18, 2026Oct 12, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
3 Month Certificate
$0
2.94% ▲ 0.87% above Florida avg
View
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.07%▲ 0.87% above avgNationally 2.10%
Details

Rate History
No change since Sep 24, 2026 · 2.94% APY · checked 5 times
2.44%2.94%3.44%Sep 24, 2026: 2.94% APYSep 24, 2026Oct 12, 2026

West Miami 6 Month CD Rates

Florida 6 Month CD Average3.07% APYNational 2.79%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
City National Bank of Florida
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
5782 Sw 8th St, West Miami, FL 33144
6-month online CD
$25,000
4.25% ▲ 1.18% above Florida avg
View
▼
Rate4.16%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.07%▲ 1.18% above avgNationally 2.79%
Details

Online-only high-yield rates.

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 18, 2026: 4.00% APYOct 2, 2026: 4.25% APYSep 18, 2026Oct 12, 2026
  • Oct 2, 20264.25%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Ocean Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
6600 Sw 8th St, West Miami, FL 33144
6 Months CD
$0
3.50% ▲ 0.43% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.07%▲ 0.43% above avgNationally 2.79%
Details

Must be new money to Ocean Bank. New money is funds not currently on deposit at Ocean Bank. Initial CD deposit amount is required to be maintained each day to earn the APY disclosed. There will be a penalty for early withdrawals on CDs. Offer does not apply to IRA CDs. Offer subject to change without notice and subject to change at any time.

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 12, 2026
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
6 Month Bonus CD
$500
4.75% ▲ 1.68% above Florida avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.07%▲ 1.68% above avgNationally 2.79%
Details

Rate History
No change since Oct 7, 2026 · 4.75% APY · checked 2 times
4.25%4.75%5.25%Oct 7, 2026: 4.75% APYOct 7, 2026Oct 12, 2026
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
6-Month CD
$1,000
4.40% ▲ 1.33% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.07%▲ 1.33% above avgNationally 2.79%
Details

Rate History
1 change since Sep 16, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
3.85%4.38%4.90%Sep 16, 2026: 4.35% APYOct 12, 2026: 4.40% APYSep 16, 2026Oct 12, 2026
  • Oct 12, 20264.40%▲ from 4.35%
  • Sep 16, 20264.35%first recorded
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
6 Month Certificate
$2,000
4.35% ▲ 1.28% above Florida avg
View
▼
Rate4.26%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.07%▲ 1.28% above avgNationally 2.79%
Details

Rate History
No change since Oct 7, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 7, 2026: 4.35% APYOct 7, 2026Oct 12, 2026
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
6 Month Certificate
$0
4.35% ▲ 1.28% above Florida avg
View
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.07%▲ 1.28% above avgNationally 2.79%
Details

Rate History
No change since Oct 6, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 6, 2026: 4.35% APYOct 6, 2026Oct 12, 2026
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
6-month CD
$10,000
4.35% ▲ 1.28% above Florida avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.07%▲ 1.28% above avgNationally 2.79%
Details

Rate History
2 changes since Sep 24, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
3.65%4.25%4.85%Sep 24, 2026: 4.15% APYOct 1, 2026: 4.25% APYOct 6, 2026: 4.35% APYSep 24, 2026Oct 12, 2026
  • Oct 6, 20264.35%▲ from 4.25%
  • Oct 1, 20264.25%▲ from 4.15%
  • Sep 24, 20264.15%first recorded
Climate First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
6-Month Penalty-Free CD
$500
4.33% ▲ 1.26% above Florida avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.07%▲ 1.26% above avgNationally 2.79%
Details

No penalty for early withdrawals

Rate History
1 change since Sep 14, 2026 · 4.07% → 4.33% ▲ 0.26 pts · high 4.33% / low 4.07%
3.57%4.20%4.83%Sep 14, 2026: 4.07% APYSep 24, 2026: 4.33% APYSep 14, 2026Oct 12, 2026
  • Sep 24, 20264.33%▲ from 4.07%
  • Sep 14, 20264.07%first recorded
Amerant Bank
Institution Rating:
B+4.7 ★Texas Ratio: 18.65%
6 Month Certificate of Deposit
$0
4.25% ▲ 1.18% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.07%▲ 1.18% above avgNationally 2.79%
Details

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 12, 2026
Brightstar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
6 Month Certificate of Deposit
$500
4.25% ▲ 1.18% above Florida avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.07%▲ 1.18% above avgNationally 2.79%
Details

Lock in up to

Rate History
1 change since Sep 18, 2026 · 3.00% → 4.25% ▲ 1.25 pts · high 4.25% / low 3.00%
1.75%3.63%5.50%Sep 18, 2026: 3.00% APYOct 9, 2026: 4.25% APYSep 18, 2026Oct 12, 2026
  • Oct 9, 20264.25%▲ from 3.00%
  • Sep 18, 20263.00%first recorded
Blue Coast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
6 Month Commercial Share Certificate
$0
4.15% ▲ 1.08% above Florida avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.07%▲ 1.08% above avgNationally 2.79%
Details

To receive these rates and terms the certificate must be opened under a commercial/business account with BCFCU. BCFCU reserves the right to end promotion at any time. Dividends will be compounded every month and credited to your account every month. The certificate will automatically renew on the maturity date. You will have 20 days after the maturity date to withdraw funds without penalty. A substantial penalty is imposed if certificate funds other than dividends are withdrawn before the maturity dates. If the maturity of this certificate is 30 days to 1 year, the forfeiture is an amount equal to 90 days dividends. If the maturity of this certificate is more than 1 year, the forfeiture is an amount equal to 180 days dividends. You will have 20 days from maturity date to withdraw funds penalty free. *APR=Annual percentage rate. ** APY=Annual percentage yield.

Rate History
No change since Sep 21, 2026 · 4.15% APY · checked 4 times
3.65%4.15%4.65%Sep 21, 2026: 4.15% APYSep 21, 2026Oct 12, 2026
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
6 Month Fixed Rate Jumbo Certificate
$50,000
4.13% ▲ 1.06% above Florida avg
View
▼
Rate4.05%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.07%▲ 1.06% above avgNationally 2.79%
Details

Rate History
No change since Sep 14, 2026 · 4.13% APY · checked 6 times
3.63%4.13%4.63%Sep 14, 2026: 4.13% APYSep 14, 2026Oct 12, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
6 Month IRA Jumbo
$100,000
4.12% ▲ 1.05% above Florida avg
View
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.07%▲ 1.05% above avgNationally 2.79%
Details

Rate History
No change since Sep 14, 2026 · 4.12% APY · checked 7 times
3.62%4.12%4.62%Sep 14, 2026: 4.12% APYSep 14, 2026Oct 12, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
6-MONTH CD
$2,500
4.10% ▲ 1.03% above Florida avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.07%▲ 1.03% above avgNationally 2.79%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
3.20%3.90%4.60%Sep 14, 2026: 3.70% APYOct 10, 2026: 4.10% APYSep 14, 2026Oct 12, 2026
  • Oct 10, 20264.10%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
6 Month Business Fixed Rate Certificate
$1,000
4.08% ▲ 1.01% above Florida avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.07%▲ 1.01% above avgNationally 2.79%
Details

Compound Period: Daily

Rate History
No change since Sep 14, 2026 · 4.08% APY · checked 6 times
3.58%4.08%4.58%Sep 14, 2026: 4.08% APYSep 14, 2026Oct 12, 2026
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
6 Month Fixed Rate Certificate
$1,000
4.08% ▲ 1.01% above Florida avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.07%▲ 1.01% above avgNationally 2.79%
Details

Rate History
No change since Sep 18, 2026 · 4.08% APY · checked 2 times
3.58%4.08%4.58%Sep 18, 2026: 4.08% APYSep 18, 2026Oct 12, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
6 Month Certificate
$1,000
4.07% ▲ 1.00% above Florida avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.07%▲ 1.00% above avgNationally 2.79%
Details

Rate History
No change since Sep 22, 2026 · 4.07% APY · checked 5 times
3.57%4.07%4.57%Sep 22, 2026: 4.07% APYSep 22, 2026Oct 12, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
6 Month IRA
$1,000
4.07% ▲ 1.00% above Florida avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.07%▲ 1.00% above avgNationally 2.79%
Details

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 7 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Oct 12, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
6 Month CD
$1,000
4.05% ▲ 0.98% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.07%▲ 0.98% above avgNationally 2.79%
Details

New Money CDs

Rate History
No change since Sep 24, 2026 · 4.05% APY · checked 5 times
3.55%4.05%4.55%Sep 24, 2026: 4.05% APYSep 24, 2026Oct 12, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
6 Month New Money CD
$1,000
4.05% ▲ 0.98% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.07%▲ 0.98% above avgNationally 2.79%
Details

Exclusively for Premier clients.

Rate History
No change since Sep 27, 2026 · 4.05% APY · checked 4 times
3.55%4.05%4.55%Sep 27, 2026: 4.05% APYSep 27, 2026Oct 12, 2026
Transport Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
6 Month Jumbo Certificates
$100,000
4.01% ▲ 0.94% above Florida avg
View
▼
Rate3.95%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.07%▲ 0.94% above avgNationally 2.79%
Details

Jumbo Certificate rates require a $100,000.00 minimum deposit. Contact a Consumer Financial Advocate or review your Important Account Information brochure for details on terms and conditions.

Rate History
No change since Sep 14, 2026 · 4.01% APY · checked 6 times
3.51%4.01%4.51%Sep 14, 2026: 4.01% APYSep 14, 2026Oct 12, 2026
Banesco USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
6 month CD
$1,000
4.00% ▲ 0.93% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.07%▲ 0.93% above avgNationally 2.79%
Details

Special CD Rates for Continental U.S.

Rate History
1 change since Sep 30, 2026 · 3.95% → 4.00% ▲ 0.05 pts · high 4.00% / low 3.95%
3.45%3.98%4.50%Sep 30, 2026: 3.95% APYOct 6, 2026: 4.00% APYSep 30, 2026Oct 12, 2026
  • Oct 6, 20264.00%▲ from 3.95%
  • Sep 30, 20263.95%first recorded
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
6 Month CD
$1,000
4.00% ▲ 0.93% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.07%▲ 0.93% above avgNationally 2.79%
Details

Online CDs

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 12, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
6 Month Online CD
$1,000
4.00% ▲ 0.93% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.07%▲ 0.93% above avgNationally 2.79%
Details

Minimum balance to open and obtain APY is $1000.

Rate History
No change since Sep 27, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 27, 2026: 4.00% APYSep 27, 2026Oct 12, 2026
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
6-month CD
$1,000
4.00% ▲ 0.93% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.07%▲ 0.93% above avgNationally 2.79%
Details

Rate History
1 change since Sep 14, 2026 · 3.56% → 4.00% ▲ 0.44 pts · high 4.00% / low 3.56%
3.06%3.78%4.50%Sep 14, 2026: 3.56% APYSep 24, 2026: 4.00% APYSep 14, 2026Oct 12, 2026
  • Sep 24, 20264.00%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
Newtek Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
6 Month CD
$2,500
4.00% ▲ 0.93% above Florida avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.07%▲ 0.93% above avgNationally 2.79%
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 12, 2026
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
Special 6-Month Fixed Rate
$0
4.00% ▲ 0.93% above Florida avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.07%▲ 0.93% above avgNationally 2.79%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 12, 2026
United Bank (AL)
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
6 Month CD
$0
4.00% ▲ 0.93% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.07%▲ 0.93% above avgNationally 2.79%
Details

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 12, 2026
United Bank (AL)
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
6 Month IRA CD
$0
4.00% ▲ 0.93% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.07%▲ 0.93% above avgNationally 2.79%
Details

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 12, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6 Month CD
$0
4.00% ▲ 0.93% above Florida avg
View
▼
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
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 12, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6 Month Certificate of Deposit
$1,000
4.00% ▲ 0.93% above Florida avg
View
▼
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
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 12, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6-Month IRA
$1,000
4.00% ▲ 0.93% above Florida avg
View
▼
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
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 12, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts 6-Month
$1,000
4.00% ▲ 0.93% above Florida avg
View
▼
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%
3.30%3.90%4.50%Sep 14, 2026: 3.80% APYOct 7, 2026: 4.00% APYSep 14, 2026Oct 12, 2026
  • Oct 7, 20264.00%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
6-Month Share Certificate
$1,000
4.00% ▲ 0.93% above Florida avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.07%▲ 0.93% above avgNationally 2.79%
Details

Penalty for early withdrawal: 3 Months Dividends

Rate History
1 change since Sep 14, 2026 · 3.87% → 4.00% ▲ 0.13 pts · high 4.00% / low 3.87%
3.37%3.94%4.50%Sep 14, 2026: 3.87% APYSep 18, 2026: 4.00% APYSep 14, 2026Oct 12, 2026
  • Sep 18, 20264.00%▲ from 3.87%
  • Sep 14, 20263.87%first recorded
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
6 Month Certificate
$0
4.00% ▲ 0.93% above Florida avg
View
▼
Rate3.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.07%▲ 0.93% above avgNationally 2.79%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 12, 2026
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
6-Month Certificate
$500
4.00% ▲ 0.93% above Florida avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.07%▲ 0.93% above avgNationally 2.79%
Details

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

Rate History
No change since Oct 9, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 9, 2026: 4.00% APYOct 9, 2026Oct 12, 2026
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
6-Month Golden Eagle Certificate
$5,000
4.00% ▲ 0.93% above Florida avg
View
▼
Rate3.93%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.07%▲ 0.93% above avgNationally 2.79%
Details

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

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 12, 2026
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
Jumbo Certificates - 6-Month
$50,000
4.00% ▲ 0.93% above Florida avg
View
▼
Rate3.93%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.07%▲ 0.93% above avgNationally 2.79%
Details

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

Rate History
No change since Oct 5, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 5, 2026: 4.00% APYOct 5, 2026Oct 12, 2026
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
6 month CD
$0
4.00% ▲ 0.93% above Florida avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.07%▲ 0.93% above avgNationally 2.79%
Details

Balance: $100,000 and over

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 12, 2026
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
6 Month HSA Certificate of Deposit (CD)
$0
4.00% ▲ 0.93% above Florida avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.07%▲ 0.93% above avgNationally 2.79%
Details

Balance: $100,000 and over

Rate History
No change since Oct 9, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 9, 2026: 4.00% APYOct 9, 2026Oct 12, 2026
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
Business 6 month CD
$0
4.00% ▲ 0.93% above Florida avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.07%▲ 0.93% above avgNationally 2.79%
Details

Balance: $100,000 and over

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 12, 2026
Blue Coast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
6 Month Share Certificate
$0
3.95% ▲ 0.88% above Florida avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.07%▲ 0.88% above avgNationally 2.79%
Details

Dividends will be compounded every month and credited to your account every month. The certificate will automatically renew on the maturity date. You will have 20 days after the maturity date to withdraw funds without penalty. A substantial penalty is imposed if certificate funds other than dividends are withdrawn before the maturity dates. If the maturity of this certificate is 30 days to 1 year, the forfeiture is an amount equal to 90 days dividends. If the maturity of this certificate is more than 1 year, the forfeiture is an amount equal to 180 days dividends. You will have 20 days from maturity date to withdraw funds penalty free. *APR=Annual percentage rate. ** APY=Annual percentage yield.

Rate History
No change since Oct 5, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Oct 5, 2026: 3.95% APYOct 5, 2026Oct 12, 2026
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
6 month CD
$0
3.95% ▲ 0.88% above Florida avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.07%▲ 0.88% above avgNationally 2.79%
Details

Balance: $25,000 - $99,999.99

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 7 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 12, 2026
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
6 Month HSA Certificate of Deposit (CD)
$0
3.95% ▲ 0.88% above Florida avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.07%▲ 0.88% above avgNationally 2.79%
Details

Balance: $25,000 - $99,999.99

Rate History
No change since Oct 9, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Oct 9, 2026: 3.95% APYOct 9, 2026Oct 12, 2026
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
Business 6 month CD
$0
3.95% ▲ 0.88% above Florida avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.07%▲ 0.88% above avgNationally 2.79%
Details

Balance: $25,000 - $99,999.99

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 7 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 12, 2026
Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
6 Month Term Certificate
$0
3.95% ▲ 0.88% above Florida avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.07%▲ 0.88% above avgNationally 2.79%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 3.95% ▲ 0.25 pts · high 3.95% / low 3.70%
3.20%3.83%4.45%Sep 14, 2026: 3.70% APYOct 10, 2026: 3.95% APYSep 14, 2026Oct 12, 2026
  • Oct 10, 20263.95%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
6 Month Jumbo Certificate
$0
3.95% ▲ 0.88% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.07%▲ 0.88% above avgNationally 2.79%
Details

Rate History
No change since Sep 18, 2026 · 3.95% APY · checked 5 times
3.45%3.95%4.45%Sep 18, 2026: 3.95% APYSep 18, 2026Oct 12, 2026
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
6 month CD
$0
3.90% ▲ 0.83% above Florida avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.07%▲ 0.83% above avgNationally 2.79%
Details

Balance: $500 - $24,999.99

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 7 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 12, 2026
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
6 Month HSA Certificate of Deposit (CD)
$0
3.90% ▲ 0.83% above Florida avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.07%▲ 0.83% above avgNationally 2.79%
Details

Balance: $500 - $24,999.99

Rate History
No change since Oct 9, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Oct 9, 2026: 3.90% APYOct 9, 2026Oct 12, 2026
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
Business 6 month CD
$0
3.90% ▲ 0.83% above Florida avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.07%▲ 0.83% above avgNationally 2.79%
Details

Balance: $500 - $24,999.99

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 7 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 12, 2026

West Miami 12 Month CD Rates

Florida 12 Month CD Average3.23% APYNational 2.99%▲ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
City National Bank of Florida
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
5782 Sw 8th St, West Miami, FL 33144
12-month online CD
$25,000
4.45% ▲ 1.22% above Florida avg
View
▼
Rate4.35%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.23%▲ 1.22% above avgNationally 2.99%
Details

Online-only high-yield rates.

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.45% ▲ 0.45 pts · high 4.45% / low 4.00%
3.50%4.23%4.95%Sep 18, 2026: 4.00% APYOct 2, 2026: 4.45% APYSep 18, 2026Oct 12, 2026
  • Oct 2, 20264.45%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
12 Month Family Legacy Certificate Account
$0
5.00% ▲ 1.77% above Florida avg
View
▼
Rate4.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.23%▲ 1.77% above avgNationally 2.99%
Details

The Family Legacy Certificate Account must be opened within two years of the date of death. Eligibility is subject to verification.

Rate History
1 change since Sep 14, 2026 · 4.91% → 5.00% ▲ 0.09 pts · high 5.00% / low 4.91%
4.41%4.96%5.50%Sep 14, 2026: 4.91% APYSep 17, 2026: 5.00% APYSep 14, 2026Oct 12, 2026
  • Sep 17, 20265.00%▲ from 4.91%
  • Sep 14, 20264.91%first recorded
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
12 Month Certificate
$2,000
4.60% ▲ 1.37% above Florida avg
View
▼
Rate4.50%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.23%▲ 1.37% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 4.60% APY · checked 2 times
4.10%4.60%5.10%Oct 7, 2026: 4.60% APYOct 7, 2026Oct 12, 2026
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
12 Month Certificate
$0
4.50% ▲ 1.27% above Florida avg
View
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.23%▲ 1.27% above avgNationally 2.99%
Details

Rate History
No change since Oct 6, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 6, 2026: 4.50% APYOct 6, 2026Oct 12, 2026
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
12-month CD
$10,000
4.50% ▲ 1.27% above Florida avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.23%▲ 1.27% above avgNationally 2.99%
Details

Rate History
2 changes since Sep 24, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
3.75%4.38%5.00%Sep 24, 2026: 4.25% APYOct 1, 2026: 4.40% APYOct 6, 2026: 4.50% APYSep 24, 2026Oct 12, 2026
  • Oct 6, 20264.50%▲ from 4.40%
  • Oct 1, 20264.40%▲ from 4.25%
  • Sep 24, 20264.25%first recorded
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
12 Month IRA Certificate
$500
4.40% ▲ 1.17% above Florida avg
View
▼
Rate4.33%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.23%▲ 1.17% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.40% APY · checked 6 times
3.90%4.40%4.90%Sep 14, 2026: 4.40% APYSep 14, 2026Oct 12, 2026
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
12 Month Regular Certificate of Deposit
$500
4.40% ▲ 1.17% above Florida avg
View
▼
Rate4.33%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.23%▲ 1.17% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.40% APY · checked 6 times
3.90%4.40%4.90%Sep 14, 2026: 4.40% APYSep 14, 2026Oct 12, 2026
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
12 Months Certificate
$500
4.40% ▲ 1.17% above Florida avg
View
▼
Rate4.33%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.23%▲ 1.17% above avgNationally 2.99%
Details

Rate History
No change since Sep 22, 2026 · 4.40% APY · checked 4 times
3.90%4.40%4.90%Sep 22, 2026: 4.40% APYSep 22, 2026Oct 12, 2026
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
IRA Certificate - 12 Months
$500
4.40% ▲ 1.17% above Florida avg
View
▼
Rate4.33%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.23%▲ 1.17% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.40% APY · checked 6 times
3.90%4.40%4.90%Sep 14, 2026: 4.40% APYSep 14, 2026Oct 12, 2026
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
12 Month Online CD
$500
4.35% ▲ 1.12% above Florida avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.23%▲ 1.12% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 4.35% APY · checked 6 times
3.85%4.35%4.85%Sep 18, 2026: 4.35% APYSep 18, 2026Oct 12, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
12 Month CD
$1,000
4.35% ▲ 1.12% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.23%▲ 1.12% above avgNationally 2.99%
Details

New Money CDs

Rate History
No change since Sep 24, 2026 · 4.35% APY · checked 5 times
3.85%4.35%4.85%Sep 24, 2026: 4.35% APYSep 24, 2026Oct 12, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
12 Month New Money CD
$1,000
4.35% ▲ 1.12% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.23%▲ 1.12% above avgNationally 2.99%
Details

Exclusively for Premier clients.

Rate History
No change since Sep 27, 2026 · 4.35% APY · checked 4 times
3.85%4.35%4.85%Sep 27, 2026: 4.35% APYSep 27, 2026Oct 12, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Special EasyStart Certificate
$50
4.35% ▲ 1.12% above Florida avg
View
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.23%▲ 1.12% above avgNationally 2.99%
Details

Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 4 times
3.85%4.35%4.85%Sep 30, 2026: 4.35% APYSep 30, 2026Oct 12, 2026
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
12-month CD
$1,000
4.35% ▲ 1.12% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.23%▲ 1.12% above avgNationally 2.99%
Details

Featured rate

Rate History
1 change since Sep 14, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
3.65%4.25%4.85%Sep 14, 2026: 4.15% APYSep 24, 2026: 4.35% APYSep 14, 2026Oct 12, 2026
  • Sep 24, 20264.35%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
Traditional Teen 12 month CD Special
$0
4.33% ▲ 1.10% above Florida avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.23%▲ 1.10% above avgNationally 2.99%
Details

Tru Traditional/Roth IRA Accounts

Rate History
No change since Sep 22, 2026 · 4.33% APY · checked 4 times
3.83%4.33%4.83%Sep 22, 2026: 4.33% APYSep 22, 2026Oct 12, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
12 Month CD
$1,000
4.30% ▲ 1.07% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.23%▲ 1.07% above avgNationally 2.99%
Details

Online CDs

Rate History
No change since Sep 24, 2026 · 4.30% APY · checked 5 times
3.80%4.30%4.80%Sep 24, 2026: 4.30% APYSep 24, 2026Oct 12, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
12 Month Online CD
$1,000
4.30% ▲ 1.07% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.23%▲ 1.07% above avgNationally 2.99%
Details

Minimum balance to open and obtain APY is $1000.

Rate History
No change since Sep 27, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 27, 2026: 4.30% APYSep 27, 2026Oct 12, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
12-MONTH CD
$500
4.30% ▲ 1.07% above Florida avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.23%▲ 1.07% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
3.30%4.05%4.80%Sep 14, 2026: 3.80% APYOct 10, 2026: 4.30% APYSep 14, 2026Oct 12, 2026
  • Oct 10, 20264.30%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
1 Year Rising Rate CD
$0
4.25% ▲ 1.02% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.23%▲ 1.02% above avgNationally 2.99%
Details

Minimum to Obtain: $500

Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 6 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APYSep 18, 2026Oct 12, 2026
Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
12 Month CD
$0
4.25% ▲ 1.02% above Florida avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.23%▲ 1.02% above avgNationally 2.99%
Details

Balance: 12 Months - $500

Rate History
1 change since Sep 18, 2026 · 3.85% → 4.25% ▲ 0.40 pts · high 4.25% / low 3.85%
3.35%4.05%4.75%Sep 18, 2026: 3.85% APYOct 5, 2026: 4.25% APYSep 18, 2026Oct 12, 2026
  • Oct 5, 20264.25%▲ from 3.85%
  • Sep 18, 20263.85%first recorded
Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
12 Month IRA CD
$0
4.25% ▲ 1.02% above Florida avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.23%▲ 1.02% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.25% ▲ 0.40 pts · high 4.25% / low 3.85%
3.35%4.05%4.75%Sep 14, 2026: 3.85% APYSep 22, 2026: 4.25% APYSep 14, 2026Oct 12, 2026
  • Sep 22, 20264.25%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
Jumbo 12 Month Certificates
$0
4.25% ▲ 1.02% above Florida avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.23%▲ 1.02% above avgNationally 2.99%
Details

Jumbo 12 Month Certificates** - Minimum $75,000; Early Withdrawal Penalty: 180 days interest

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 18, 2026: 4.00% APYOct 1, 2026: 4.25% APYSep 18, 2026Oct 12, 2026
  • Oct 1, 20264.25%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
IRA Certificate - 1 Year Starter Add-On
$0
4.25% ▲ 1.02% above Florida avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.23%▲ 1.02% above avgNationally 2.99%
Details

Rate History
No change since Oct 6, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 6, 2026: 4.25% APYOct 6, 2026Oct 12, 2026
Gulf Coast Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 MONTH CD
$0
4.24% ▲ 1.01% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.23%▲ 1.01% above avgNationally 2.99%
Details

Rate History
No change since Sep 19, 2026 · 4.24% APY · checked 8 times
3.74%4.24%4.74%Sep 19, 2026: 4.24% APYSep 19, 2026Oct 12, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
12 Month IRA Jumbo
$100,000
4.23% ▲ 1.00% above Florida avg
View
▼
Rate4.15%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.23%▲ 1.00% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.23% APY · checked 7 times
3.73%4.23%4.73%Sep 14, 2026: 4.23% APYSep 14, 2026Oct 12, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
12 Month Certificate
$1,000
4.18% ▲ 0.95% above Florida avg
View
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.23%▲ 0.95% above avgNationally 2.99%
Details

Rate History
No change since Sep 22, 2026 · 4.18% APY · checked 5 times
3.68%4.18%4.68%Sep 22, 2026: 4.18% APYSep 22, 2026Oct 12, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
12 Month IRA
$1,000
4.18% ▲ 0.95% above Florida avg
View
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.23%▲ 0.95% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.18% APY · checked 7 times
3.68%4.18%4.68%Sep 14, 2026: 4.18% APYSep 14, 2026Oct 12, 2026
Climate First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
12-Month Penalty-Free CD
$500
4.15% ▲ 0.92% above Florida avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.23%▲ 0.92% above avgNationally 2.99%
Details

No penalty for early withdrawals

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 6 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Oct 12, 2026
MIAMI FIREFIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
12 Month Share Certificates
$1,000
4.15% ▲ 0.92% above Florida avg
View
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.23%▲ 0.92% above avgNationally 2.99%
Details

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
3.50%4.08%4.65%Sep 18, 2026: 4.00% APYOct 6, 2026: 4.15% APYSep 18, 2026Oct 12, 2026
  • Oct 6, 20264.15%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Gala Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Months CD
$0
4.15% ▲ 0.92% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.23%▲ 0.92% above avgNationally 2.99%
Details

Rate History
No change since Oct 10, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 10, 2026: 4.15% APYOct 10, 2026Oct 12, 2026
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
Adjustable Rate Certificate 12 Months
$1,000
4.14% ▲ 0.91% above Florida avg
View
▼
Rate4.06%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.23%▲ 0.91% above avgNationally 2.99%
Details

Compound Period: Daily

Rate History
No change since Sep 18, 2026 · 4.14% APY · checked 2 times
3.64%4.14%4.64%Sep 18, 2026: 4.14% APYSep 18, 2026Oct 12, 2026
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
Business Adjustable Rate Certificate - 12 Months
$1,000
4.14% ▲ 0.91% above Florida avg
View
▼
Rate4.06%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.23%▲ 0.91% above avgNationally 2.99%
Details

Compound Period: Daily

Rate History
No change since Sep 14, 2026 · 4.14% APY · checked 6 times
3.64%4.14%4.64%Sep 14, 2026: 4.14% APYSep 14, 2026Oct 12, 2026
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
Special 12-Month Fixed Rate
$0
4.11% ▲ 0.88% above Florida avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.23%▲ 0.88% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 4.11% APY · checked 6 times
3.61%4.11%4.61%Sep 18, 2026: 4.11% APYSep 18, 2026Oct 12, 2026
Banesco USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
12 month CD
$1,000
4.10% ▲ 0.87% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.23%▲ 0.87% above avgNationally 2.99%
Details

Special CD Rates for Continental U.S.

Rate History
1 change since Sep 30, 2026 · 4.05% → 4.10% ▲ 0.05 pts · high 4.10% / low 4.05%
3.55%4.07%4.60%Sep 30, 2026: 4.05% APYOct 6, 2026: 4.10% APYSep 30, 2026Oct 12, 2026
  • Oct 6, 20264.10%▲ from 4.05%
  • Sep 30, 20264.05%first recorded
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
1-Year Share Certificate
$1,000
4.10% ▲ 0.87% above Florida avg
View
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.23%▲ 0.87% above avgNationally 2.99%
Details

Penalty for early withdrawal: 3 Months Dividends

Rate History
1 change since Sep 14, 2026 · 3.93% → 4.10% ▲ 0.17 pts · high 4.10% / low 3.93%
3.43%4.02%4.60%Sep 14, 2026: 3.93% APYSep 18, 2026: 4.10% APYSep 14, 2026Oct 12, 2026
  • Sep 18, 20264.10%▲ from 3.93%
  • Sep 14, 20263.93%first recorded
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
12 Month Certificate
$0
4.10% ▲ 0.87% above Florida avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.23%▲ 0.87% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 12, 2026
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
1 Year Add-On Certificate
$0
4.10% ▲ 0.87% above Florida avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.23%▲ 0.87% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 7 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 12, 2026
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
Starter Certificate - 1 Year Add-On
$0
4.10% ▲ 0.87% above Florida avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.23%▲ 0.87% above avgNationally 2.99%
Details

Rate History
No change since Oct 6, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 6, 2026: 4.10% APYOct 6, 2026Oct 12, 2026
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
12 Month Certificate
$500
4.08% ▲ 0.85% above Florida avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.23%▲ 0.85% above avgNationally 2.99%
Details

Balance Required to Earn Dividend Rate: $500.00

Rate History
No change since Sep 14, 2026 · 4.08% APY · checked 7 times
3.58%4.08%4.58%Sep 14, 2026: 4.08% APYSep 14, 2026Oct 12, 2026
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
12 Month Fixed Rate Jumbo Certificate
$50,000
4.08% ▲ 0.85% above Florida avg
View
▼
Rate4.00%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.23%▲ 0.85% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.08% APY · checked 6 times
3.58%4.08%4.58%Sep 14, 2026: 4.08% APYSep 14, 2026Oct 12, 2026
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
12-Month Term Certificate
$0
4.05% ▲ 0.82% above Florida avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.23%▲ 0.82% above avgNationally 2.99%
Details

Balance: $1,000,000 OR HIGHER

Rate History
No change since Sep 24, 2026 · 4.05% APY · checked 5 times
3.55%4.05%4.55%Sep 24, 2026: 4.05% APYSep 24, 2026Oct 12, 2026
Blue Coast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
1 Year Share Certificate
$0
4.05% ▲ 0.82% above Florida avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.23%▲ 0.82% above avgNationally 2.99%
Details

Dividends will be compounded every month and credited to your account every month. The certificate will automatically renew on the maturity date. You will have 20 days after the maturity date to withdraw funds without penalty. A substantial penalty is imposed if certificate funds other than dividends are withdrawn before the maturity dates. If the maturity of this certificate is 30 days to 1 year, the forfeiture is an amount equal to 90 days dividends. If the maturity of this certificate is more than 1 year, the forfeiture is an amount equal to 180 days dividends. You will have 20 days from maturity date to withdraw funds penalty free. *APR=Annual percentage rate. ** APY=Annual percentage yield.

Rate History
No change since Oct 5, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 5, 2026: 4.05% APYOct 5, 2026Oct 12, 2026
Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
12 Month Jumbo Certificate
$0
4.03% ▲ 0.80% above Florida avg
View
▼
Rate3.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.23%▲ 0.80% above avgNationally 2.99%
Details

Rate History
No change since Oct 5, 2026 · 4.03% APY · checked 2 times
3.53%4.03%4.53%Oct 5, 2026: 4.03% APYOct 5, 2026Oct 12, 2026
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
12 Month Business Fixed Rate Certificate
$1,000
4.03% ▲ 0.80% above Florida avg
View
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.23%▲ 0.80% above avgNationally 2.99%
Details

Compound Period: Daily

Rate History
No change since Sep 14, 2026 · 4.03% APY · checked 6 times
3.53%4.03%4.53%Sep 14, 2026: 4.03% APYSep 14, 2026Oct 12, 2026
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
12 Month Fixed Rate Certificate
$1,000
4.03% ▲ 0.80% above Florida avg
View
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.23%▲ 0.80% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 4.03% APY · checked 2 times
3.53%4.03%4.53%Sep 18, 2026: 4.03% APYSep 18, 2026Oct 12, 2026
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
12 Month HSA Certificate
$1,000
4.03% ▲ 0.80% above Florida avg
View
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.23%▲ 0.80% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 4.03% APY · checked 2 times
3.53%4.03%4.53%Sep 18, 2026: 4.03% APYSep 18, 2026Oct 12, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
12 Month Bonus Certificates
$0
4.02% ▲ 0.79% above Florida avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.23%▲ 0.79% above avgNationally 2.99%
Details

Balance: 12 Month

Rate History
2 changes since Sep 21, 2026 · 3.95% → 4.02% ▲ 0.07 pts · high 4.02% / low 3.95%
3.45%3.99%4.52%Sep 21, 2026: 3.95% APYSep 25, 2026: 3.97% APYOct 5, 2026: 4.02% APYSep 21, 2026Oct 12, 2026
  • Oct 5, 20264.02%▲ from 3.97%
  • Sep 25, 20263.97%▲ from 3.95%
  • Sep 21, 20263.95%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
12 Month Bonus IRA Certificate
$0
4.02% ▲ 0.79% above Florida avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.23%▲ 0.79% above avgNationally 2.99%
Details

Balance: $40,000

Rate History
No change since Oct 9, 2026 · 4.02% APY
3.52%4.02%4.52%Oct 9, 2026: 4.02% APYOct 9, 2026Oct 12, 2026
Transport Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12 Month Jumbo Certificates
$100,000
4.01% ▲ 0.78% above Florida avg
View
▼
Rate3.95%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.23%▲ 0.78% above avgNationally 2.99%
Details

Jumbo Certificate rates require a $100,000.00 minimum deposit. Contact a Consumer Financial Advocate or review your Important Account Information brochure for details on terms and conditions.

Rate History
No change since Sep 14, 2026 · 4.01% APY · checked 6 times
3.51%4.01%4.51%Sep 14, 2026: 4.01% APYSep 14, 2026Oct 12, 2026
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
1 Year Rising Rate CD
$0
4.00% ▲ 0.77% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.23%▲ 0.77% above avgNationally 2.99%
Details

Minimum to Obtain: $500

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 12, 2026

West Miami 18 Month CD Rates

Florida 18 Month CD Average3.27% APYNational 2.87%▲ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
18 Month Certificate
$2,000
4.90% ▲ 1.63% above Florida avg
View
▼
Rate4.78%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.27%▲ 1.63% above avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 4.90% APY · checked 2 times
4.40%4.90%5.40%Oct 7, 2026: 4.90% APYOct 7, 2026Oct 12, 2026
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
18 Month Certificate
$0
4.65% ▲ 1.38% above Florida avg
View
▼
Rate4.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.27%▲ 1.38% above avgNationally 2.87%
Details

Rate History
No change since Oct 6, 2026 · 4.65% APY · checked 2 times
4.15%4.65%5.15%Oct 6, 2026: 4.65% APYOct 6, 2026Oct 12, 2026
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
18-month CD
$10,000
4.65% ▲ 1.38% above Florida avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.27%▲ 1.38% above avgNationally 2.87%
Details

Rate History
2 changes since Sep 24, 2026 · 4.35% → 4.65% ▲ 0.30 pts · high 4.65% / low 4.35%
3.85%4.50%5.15%Sep 24, 2026: 4.35% APYOct 1, 2026: 4.55% APYOct 6, 2026: 4.65% APYSep 24, 2026Oct 12, 2026
  • Oct 6, 20264.65%▲ from 4.55%
  • Oct 1, 20264.55%▲ from 4.35%
  • Sep 24, 20264.35%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
18-Month Promo Certificate
$100,000
4.50% ▲ 1.23% above Florida avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.27%▲ 1.23% above avgNationally 2.87%
Details

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

Rate History
2 changes since Sep 25, 2026 · 4.50% → 4.50% ▼ 0.00 pts · high 4.50% / low 4.35%
3.85%4.43%5.00%Sep 25, 2026: 4.50% APYOct 4, 2026: 4.35% APYOct 8, 2026: 4.50% APYSep 25, 2026Oct 12, 2026
  • Oct 8, 20264.50%▲ from 4.35%
  • Oct 4, 20264.35%▼ from 4.50%
  • Sep 25, 20264.50%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
18-Month Promotional Certificate
$0
4.50% ▲ 1.23% above Florida avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.27%▲ 1.23% above avgNationally 2.87%
Details

Balance: $100,000+; Jumbo

Rate History
No change since Oct 8, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 8, 2026: 4.50% APYOct 8, 2026Oct 12, 2026
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
18 Month Jumbo Certificate
$0
4.50% ▲ 1.23% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.27%▲ 1.23% above avgNationally 2.87%
Details

Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 5 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APYSep 18, 2026Oct 12, 2026
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
18 Month Share Certificate
$0
4.50% ▲ 1.23% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.27%▲ 1.23% above avgNationally 2.87%
Details

Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 5 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APYSep 18, 2026Oct 12, 2026
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
18 Month Youth Certificate
$0
4.50% ▲ 1.23% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.27%▲ 1.23% above avgNationally 2.87%
Details

Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 5 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APYSep 18, 2026Oct 12, 2026
Launch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
18 Month Business Share Certificate
$0
4.50% ▲ 1.23% above Florida avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.27%▲ 1.23% above avgNationally 2.87%
Details

Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 5 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APYSep 18, 2026Oct 12, 2026
Launch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
18 Month Share Certificate
$0
4.50% ▲ 1.23% above Florida avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.27%▲ 1.23% above avgNationally 2.87%
Details

Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APYSep 18, 2026Oct 12, 2026
United Bank (AL)
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
18 Month CD
$0
4.35% ▲ 1.08% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.27%▲ 1.08% above avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 4.35% APY · checked 3 times
3.85%4.35%4.85%Oct 7, 2026: 4.35% APYOct 7, 2026Oct 12, 2026
United Bank (AL)
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
18 Month IRA CD
$0
4.35% ▲ 1.08% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.27%▲ 1.08% above avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 4.35% APY · checked 3 times
3.85%4.35%4.85%Oct 7, 2026: 4.35% APYOct 7, 2026Oct 12, 2026
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
18-Month CD
$1,000
4.35% ▲ 1.08% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.27%▲ 1.08% above avgNationally 2.87%
Details

Rate History
2 changes since Sep 16, 2026 · 4.40% → 4.35% ▼ 0.05 pts · high 4.40% / low 4.25%
3.75%4.33%4.90%Sep 16, 2026: 4.40% APYOct 3, 2026: 4.25% APYOct 12, 2026: 4.35% APYSep 16, 2026Oct 12, 2026
  • Oct 12, 20264.35%▲ from 4.25%
  • Oct 3, 20264.25%▼ from 4.40%
  • Sep 16, 20264.40%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
18-Month Promo Certificate
$100
4.35% ▲ 1.08% above Florida avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.27%▲ 1.08% above avgNationally 2.87%
Details

Or, 4.35% APY* with $100 min.

Rate History
2 changes since Sep 25, 2026 · 4.35% → 4.35% ▼ 0.00 pts · high 4.50% / low 4.35%
3.85%4.43%5.00%Sep 25, 2026: 4.35% APYOct 4, 2026: 4.50% APYOct 12, 2026: 4.35% APYSep 25, 2026Oct 12, 2026
  • Oct 12, 20264.35%▼ from 4.50%
  • Oct 4, 20264.50%▲ from 4.35%
  • Sep 25, 20264.35%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
18-Month Promotional Certificate
$0
4.35% ▲ 1.08% above Florida avg
View
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.27%▲ 1.08% above avgNationally 2.87%
Details

Regular

Rate History
No change since Oct 8, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 8, 2026: 4.35% APYOct 8, 2026Oct 12, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
Business 18-Month Promotional Certificate
$0
4.35% ▲ 1.08% above Florida avg
View
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.27%▲ 1.08% above avgNationally 2.87%
Details

Balance: $100,000+; Jumbo

Rate History
No change since Oct 12, 2026 · 4.35% APY
3.85%4.35%4.85%Oct 12, 2026: 4.35% APYOct 12, 2026Oct 12, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
18 Month IRA Jumbo
$100,000
4.28% ▲ 1.01% above Florida avg
View
▼
Rate4.20%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.27%▲ 1.01% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 4.28% APY · checked 7 times
3.78%4.28%4.78%Sep 14, 2026: 4.28% APYSep 14, 2026Oct 12, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
Relationship CD - 18 Month
$0
4.25% ▲ 0.98% above Florida avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.27%▲ 0.98% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 4.10% → 4.25% ▲ 0.15 pts · high 4.25% / low 4.10%
3.60%4.18%4.75%Sep 14, 2026: 4.10% APYSep 24, 2026: 4.25% APYSep 14, 2026Oct 12, 2026
  • Sep 24, 20264.25%▲ from 4.10%
  • Sep 14, 20264.10%first recorded
Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
18 Month CD
$0
4.25% ▲ 0.98% above Florida avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.27%▲ 0.98% above avgNationally 2.87%
Details

Balance: 18 Months - $500

Rate History
1 change since Sep 18, 2026 · 3.85% → 4.25% ▲ 0.40 pts · high 4.25% / low 3.85%
3.35%4.05%4.75%Sep 18, 2026: 3.85% APYOct 5, 2026: 4.25% APYSep 18, 2026Oct 12, 2026
  • Oct 5, 20264.25%▲ from 3.85%
  • Sep 18, 20263.85%first recorded
Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
18 Month IRA CD
$0
4.25% ▲ 0.98% above Florida avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.27%▲ 0.98% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.25% ▲ 0.40 pts · high 4.25% / low 3.85%
3.35%4.05%4.75%Sep 14, 2026: 3.85% APYSep 22, 2026: 4.25% APYSep 14, 2026Oct 12, 2026
  • Sep 22, 20264.25%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
18-MONTH CD
$500
4.25% ▲ 0.98% above Florida avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.27%▲ 0.98% above avgNationally 2.87%
Details

Rate History
No change since Oct 10, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 10, 2026: 4.25% APYOct 10, 2026Oct 12, 2026
MIAMI FIREFIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
18 Month Share Certificates
$1,000
4.25% ▲ 0.98% above Florida avg
View
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.27%▲ 0.98% above avgNationally 2.87%
Details

Rate History
1 change since Sep 18, 2026 · 4.15% → 4.25% ▲ 0.10 pts · high 4.25% / low 4.15%
3.65%4.20%4.75%Sep 18, 2026: 4.15% APYOct 6, 2026: 4.25% APYSep 18, 2026Oct 12, 2026
  • Oct 6, 20264.25%▲ from 4.15%
  • Sep 18, 20264.15%first recorded
McCoy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
18 Month Share Certificate
$0
4.23% ▲ 0.96% above Florida avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Florida Average3.27%▲ 0.96% above avgNationally 2.87%
Details

Balance: $1,000 - $100,000 +

Rate History
No change since Sep 25, 2026 · 4.23% APY · checked 3 times
3.73%4.23%4.73%Sep 25, 2026: 4.23% APYSep 25, 2026Oct 12, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
18 Month Certificate
$1,000
4.23% ▲ 0.96% above Florida avg
View
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.27%▲ 0.96% above avgNationally 2.87%
Details

Rate History
No change since Sep 22, 2026 · 4.23% APY · checked 5 times
3.73%4.23%4.73%Sep 22, 2026: 4.23% APYSep 22, 2026Oct 12, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
18 Month IRA
$1,000
4.23% ▲ 0.96% above Florida avg
View
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.27%▲ 0.96% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 4.23% APY · checked 7 times
3.73%4.23%4.73%Sep 14, 2026: 4.23% APYSep 14, 2026Oct 12, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
Business 18-Month Promotional Certificate
$0
4.20% ▲ 0.93% above Florida avg
View
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.27%▲ 0.93% above avgNationally 2.87%
Details

Regular

Rate History
No change since Oct 12, 2026 · 4.20% APY
3.70%4.20%4.70%Oct 12, 2026: 4.20% APYOct 12, 2026Oct 12, 2026
Gala Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Months CD
$0
4.20% ▲ 0.93% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.27%▲ 0.93% above avgNationally 2.87%
Details

Rate History
No change since Oct 10, 2026 · 4.20% APY
3.70%4.20%4.70%Oct 10, 2026: 4.20% APYOct 10, 2026Oct 12, 2026
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
18-month CD
$1,000
4.15% ▲ 0.88% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.27%▲ 0.88% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
3.50%4.08%4.65%Sep 14, 2026: 4.00% APYSep 24, 2026: 4.15% APYSep 14, 2026Oct 12, 2026
  • Sep 24, 20264.15%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
18 Month View Today's Full List of CD Offerings here
$100,000
4.15% ▲ 0.88% above Florida avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.27%▲ 0.88% above avgNationally 2.87%
Details

Interest Frequency: Monthly

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 12, 2026
MIAMI FIREFIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
18 Month IRA Share Certificate
$0
4.15% ▲ 0.88% above Florida avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.27%▲ 0.88% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 7 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Oct 12, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
18 Month View Today's Full List of CD Offerings here
$100,000
4.10% ▲ 0.83% above Florida avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.27%▲ 0.83% above avgNationally 2.87%
Details

Interest Frequency: Semi

Rate History
No change since Oct 7, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 7, 2026: 4.10% APYOct 7, 2026Oct 12, 2026
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
18 Month IRA Certificate
$500
4.10% ▲ 0.83% above Florida avg
View
▼
Rate4.04%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.27%▲ 0.83% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 6 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 12, 2026
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
18 Month Regular Certificate of Deposit
$500
4.10% ▲ 0.83% above Florida avg
View
▼
Rate4.04%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.27%▲ 0.83% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 6 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 12, 2026
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
18 Months Certificate
$500
4.10% ▲ 0.83% above Florida avg
View
▼
Rate4.04%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.27%▲ 0.83% above avgNationally 2.87%
Details

Rate History
No change since Sep 22, 2026 · 4.10% APY · checked 4 times
3.60%4.10%4.60%Sep 22, 2026: 4.10% APYSep 22, 2026Oct 12, 2026
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
IRA Certificate - 18 Months
$500
4.10% ▲ 0.83% above Florida avg
View
▼
Rate4.04%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.27%▲ 0.83% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 6 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 12, 2026
Blue Coast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
18 Month Share Certificate
$0
4.08% ▲ 0.81% above Florida avg
View
▼
Rate4.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.27%▲ 0.81% above avgNationally 2.87%
Details

Dividends will be compounded every month and credited to your account every month. The certificate will automatically renew on the maturity date. You will have 20 days after the maturity date to withdraw funds without penalty. A substantial penalty is imposed if certificate funds other than dividends are withdrawn before the maturity dates. If the maturity of this certificate is 30 days to 1 year, the forfeiture is an amount equal to 90 days dividends. If the maturity of this certificate is more than 1 year, the forfeiture is an amount equal to 180 days dividends. You will have 20 days from maturity date to withdraw funds penalty free. *APR=Annual percentage rate. ** APY=Annual percentage yield.

Rate History
No change since Oct 5, 2026 · 4.08% APY · checked 2 times
3.58%4.08%4.58%Oct 5, 2026: 4.08% APYOct 5, 2026Oct 12, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
18 Month View Today's Full List of CD Offerings here
$100,000
4.05% ▲ 0.78% above Florida avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.27%▲ 0.78% above avgNationally 2.87%
Details

Interest Frequency: Semi

Rate History
No change since Oct 7, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 7, 2026: 4.05% APYOct 7, 2026Oct 12, 2026
Santander Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
18-Month CD
$500
4.00% ▲ 0.73% above Florida avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.27%▲ 0.73% above avgNationally 2.87%
Details

Rates are available when account is opened in a Santander location in CT, DE, MA, NH, NJ, NY, PA, RI, or select areas in FL: Miami-Dade, Monroe, Broward counties, and Collier county ZIP Code 34141. Rates in other areas or for online openings may not be available.

Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 2, 2026: 4.00% APYOct 2, 2026Oct 12, 2026
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
18 Months CD
$0
4.00% ▲ 0.73% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.27%▲ 0.73% above avgNationally 2.87%
Details

Rate History
1 change since Sep 19, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60%
3.10%3.80%4.50%Sep 19, 2026: 3.60% APYSep 24, 2026: 4.00% APYSep 19, 2026Oct 12, 2026
  • Sep 24, 20264.00%▲ from 3.60%
  • Sep 19, 20263.60%first recorded
Commerce Bank & Trust Winter Park, FL
Institution Rating:
C-3.7 ★Texas Ratio: 30.17%
18 month CD
$500
4.00% ▲ 0.73% above Florida avg
View
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.27%▲ 0.73% above avgNationally 2.87%
Details

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

Rate History
1 change since Sep 11, 2026 · 3.25% → 4.00% ▲ 0.75 pts · high 4.00% / low 3.25%
2.50%3.63%4.75%Sep 11, 2026: 3.25% APYSep 24, 2026: 4.00% APYSep 11, 2026Oct 12, 2026
  • Sep 24, 20264.00%▲ from 3.25%
  • Sep 11, 20263.25%first recorded
Santa Rosa County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
18 Month Term
$0
4.00% ▲ 0.73% above Florida avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.27%▲ 0.73% above avgNationally 2.87%
Details

Rate History
1 change since Sep 18, 2026 · 2.75% → 4.00% ▲ 1.25 pts · high 4.00% / low 2.75%
1.50%3.38%5.25%Sep 18, 2026: 2.75% APYOct 5, 2026: 4.00% APYSep 18, 2026Oct 12, 2026
  • Oct 5, 20264.00%▲ from 2.75%
  • Sep 18, 20262.75%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Share Certificates - 18 Month
$1,000
4.00% ▲ 0.73% above Florida avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.27%▲ 0.73% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.95% → 4.00% ▲ 0.05 pts · high 4.00% / low 3.95%
3.45%3.98%4.50%Sep 14, 2026: 3.95% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20264.00%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 18 Month
$100,000
4.00% ▲ 0.73% above Florida avg
View
▼
Rate3.93%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.27%▲ 0.73% above avgNationally 2.87%
Details

Rate History
No change since Oct 9, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 9, 2026: 4.00% APYOct 9, 2026Oct 12, 2026
Newtek Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
18 Month CD
$2,500
3.95% ▲ 0.68% above Florida avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.27%▲ 0.68% above avgNationally 2.87%
Details

Rate History
No change since Sep 18, 2026 · 3.95% APY · checked 6 times
3.45%3.95%4.45%Sep 18, 2026: 3.95% APYSep 18, 2026Oct 12, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
CD - 18 Month
$0
3.95% ▲ 0.68% above Florida avg
View
▼
Rate3.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.27%▲ 0.68% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 3.95% ▲ 0.15 pts · high 3.95% / low 3.80%
3.30%3.88%4.45%Sep 14, 2026: 3.80% APYSep 24, 2026: 3.95% APYSep 14, 2026Oct 12, 2026
  • Sep 24, 20263.95%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Share Certificates - 18 Month
$1,000
3.95% ▲ 0.68% above Florida avg
View
▼
Rate3.88%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.27%▲ 0.68% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 4 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 12, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 18 Months
$50,000
3.95% ▲ 0.68% above Florida avg
View
▼
Rate3.88%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.27%▲ 0.68% above avgNationally 2.87%
Details

Rate History
No change since Oct 9, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Oct 9, 2026: 3.95% APYOct 9, 2026Oct 12, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
18 Month Share Certificate
$1,000
3.90% ▲ 0.63% above Florida avg
View
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.27%▲ 0.63% above avgNationally 2.87%
Details

Rate History
1 change since Sep 18, 2026 · 3.95% → 3.90% ▼ 0.05 pts · high 3.95% / low 3.90%
3.40%3.93%4.45%Sep 18, 2026: 3.95% APYOct 9, 2026: 3.90% APYSep 18, 2026Oct 12, 2026
  • Oct 9, 20263.90%▼ from 3.95%
  • Sep 18, 20263.95%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 18 Month
$1,000
3.90% ▲ 0.63% above Florida avg
View
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.27%▲ 0.63% above avgNationally 2.87%
Details

Rate History
No change since Oct 9, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Oct 9, 2026: 3.90% APYOct 9, 2026Oct 12, 2026
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
18 MONTH SELECT Certificate of Deposit
$1,000
3.85% ▲ 0.58% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.27%▲ 0.58% above avgNationally 2.87%
Details

Requires a qualifying checking account.

Rate History
No change since Oct 7, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 7, 2026: 3.85% APYOct 7, 2026Oct 12, 2026

West Miami 24 Month CD Rates

Florida 24 Month CD Average3.15% APYNational 2.88%▲ 0.05% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
City National Bank of Florida
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
5782 Sw 8th St, West Miami, FL 33144
24-month online CD
$25,000
4.50% ▲ 1.35% above Florida avg
View
▼
Rate4.40%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.15%▲ 1.35% above avgNationally 2.88%
Details

Online-only high-yield rates.

Rate History
1 change since Sep 18, 2026 · 3.75% → 4.50% ▲ 0.75 pts · high 4.50% / low 3.75%
3.00%4.13%5.25%Sep 18, 2026: 3.75% APYOct 2, 2026: 4.50% APYSep 18, 2026Oct 12, 2026
  • Oct 2, 20264.50%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
24 Month Certificate
$2,000
4.98% ▲ 1.83% above Florida avg
View
▼
Rate4.86%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.15%▲ 1.83% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 4.98% APY · checked 2 times
4.48%4.98%5.48%Oct 7, 2026: 4.98% APYOct 7, 2026Oct 12, 2026
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
24 Month Certificate
$0
4.70% ▲ 1.55% above Florida avg
View
▼
Rate4.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.15%▲ 1.55% above avgNationally 2.88%
Details

Rate History
No change since Oct 6, 2026 · 4.70% APY · checked 2 times
4.20%4.70%5.20%Oct 6, 2026: 4.70% APYOct 6, 2026Oct 12, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
Relationship CD - 24 Month
$0
4.50% ▲ 1.35% above Florida avg
View
▼
Rate4.43%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.15%▲ 1.35% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.15% → 4.50% ▲ 0.35 pts · high 4.50% / low 4.15%
3.65%4.33%5.00%Sep 14, 2026: 4.15% APYSep 24, 2026: 4.50% APYSep 14, 2026Oct 12, 2026
  • Sep 24, 20264.50%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
24 Month CD
$1,000
4.45% ▲ 1.30% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.15%▲ 1.30% above avgNationally 2.88%
Details

New Money CDs

Rate History
No change since Sep 24, 2026 · 4.45% APY · checked 5 times
3.95%4.45%4.95%Sep 24, 2026: 4.45% APYSep 24, 2026Oct 12, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
24 Month New Money CD
$1,000
4.45% ▲ 1.30% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.15%▲ 1.30% above avgNationally 2.88%
Details

Exclusively for Premier clients.

Rate History
No change since Sep 27, 2026 · 4.45% APY · checked 4 times
3.95%4.45%4.95%Sep 27, 2026: 4.45% APYSep 27, 2026Oct 12, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
24 Month CD
$1,000
4.40% ▲ 1.25% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.15%▲ 1.25% above avgNationally 2.88%
Details

Online CDs

Rate History
No change since Sep 24, 2026 · 4.40% APY · checked 5 times
3.90%4.40%4.90%Sep 24, 2026: 4.40% APYSep 24, 2026Oct 12, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
24 Month Online CD
$1,000
4.40% ▲ 1.25% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.15%▲ 1.25% above avgNationally 2.88%
Details

Minimum balance to open and obtain APY is $1000.

Rate History
No change since Sep 27, 2026 · 4.40% APY · checked 4 times
3.90%4.40%4.90%Sep 27, 2026: 4.40% APYSep 27, 2026Oct 12, 2026
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
24 Month Performance CD
$0
4.35% ▲ 1.20% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.15%▲ 1.20% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 7, 2026: 4.35% APYOct 7, 2026Oct 12, 2026
MIAMI FIREFIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
24 Month Share Certificates
$1,000
4.30% ▲ 1.15% above Florida avg
View
▼
Rate4.21%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.15%▲ 1.15% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.90% → 4.30% ▲ 0.40 pts · high 4.30% / low 3.90%
3.40%4.10%4.80%Sep 18, 2026: 3.90% APYOct 6, 2026: 4.30% APYSep 18, 2026Oct 12, 2026
  • Oct 6, 20264.30%▲ from 3.90%
  • Sep 18, 20263.90%first recorded
Gala Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Months CD
$0
4.30% ▲ 1.15% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.15%▲ 1.15% above avgNationally 2.88%
Details

Rate History
No change since Oct 10, 2026 · 4.30% APY
3.80%4.30%4.80%Oct 10, 2026: 4.30% APYOct 10, 2026Oct 12, 2026
McCoy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
24 Month Share Certificate
$0
4.28% ▲ 1.13% above Florida avg
View
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Florida Average3.15%▲ 1.13% above avgNationally 2.88%
Details

Balance: $1,000 - $4,999

Rate History
1 change since Sep 17, 2026 · 3.56% → 4.28% ▲ 0.73 pts · high 4.28% / low 3.56%
2.83%3.92%5.01%Sep 17, 2026: 3.56% APYSep 25, 2026: 4.28% APYSep 17, 2026Oct 12, 2026
  • Sep 25, 20264.28%▲ from 3.56%
  • Sep 17, 20263.56%first recorded
Hancock Whitney Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
24-month CD
$0
4.25% ▲ 1.10% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.15%▲ 1.10% above avgNationally 2.88%
Details

Save on your terms with a guaranteed rate of return on a Certificate of Deposit.

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 12, 2026
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
24-month CD
$1,000
4.25% ▲ 1.10% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.15%▲ 1.10% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 7 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 12, 2026
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
Traditional Kid's Club 24 month CD Special
$0
4.25% ▲ 1.10% above Florida avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.15%▲ 1.10% above avgNationally 2.88%
Details

Tru Traditional/Roth IRA Accounts

Rate History
No change since Sep 22, 2026 · 4.25% APY · checked 4 times
3.75%4.25%4.75%Sep 22, 2026: 4.25% APYSep 22, 2026Oct 12, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
24-MONTH CD
$500
4.25% ▲ 1.10% above Florida avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.15%▲ 1.10% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.25% ▲ 0.55 pts · high 4.25% / low 3.70%
3.15%3.98%4.80%Sep 14, 2026: 3.70% APYOct 10, 2026: 4.25% APYSep 14, 2026Oct 12, 2026
  • Oct 10, 20264.25%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
CD - 24 Month
$0
4.20% ▲ 1.05% above Florida avg
View
▼
Rate4.14%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.15%▲ 1.05% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
3.35%4.03%4.70%Sep 14, 2026: 3.85% APYSep 24, 2026: 4.20% APYSep 14, 2026Oct 12, 2026
  • Sep 24, 20264.20%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
24 Month View Today's Full List of CD Offerings here
$100,000
4.20% ▲ 1.05% above Florida avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.15%▲ 1.05% above avgNationally 2.88%
Details

Interest Frequency: Monthly

Rate History
No change since Oct 7, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 7, 2026: 4.20% APYOct 7, 2026Oct 12, 2026
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
Adjustable Rate Certificate 24 Months
$1,000
4.20% ▲ 1.05% above Florida avg
View
▼
Rate4.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.15%▲ 1.05% above avgNationally 2.88%
Details

Compound Period: Daily

Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Sep 18, 2026: 4.20% APYSep 18, 2026Oct 12, 2026
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
Business Adjustable Rate Certificate - 24 Months
$1,000
4.20% ▲ 1.05% above Florida avg
View
▼
Rate4.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.15%▲ 1.05% above avgNationally 2.88%
Details

Compound Period: Daily

Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 6 times
3.70%4.20%4.70%Sep 14, 2026: 4.20% APYSep 14, 2026Oct 12, 2026
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
24 MONTH CERTIFICATE
$150,000
4.16% ▲ 1.01% above Florida avg
View
▼
RateN/A
Min Deposit$150,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.15%▲ 1.01% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.16% APY · checked 6 times
3.66%4.16%4.66%Sep 14, 2026: 4.16% APYSep 14, 2026Oct 12, 2026
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
24 MONTH IRA CERT
$150,000
4.16% ▲ 1.01% above Florida avg
View
▼
RateN/A
Min Deposit$150,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.15%▲ 1.01% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.16% APY · checked 6 times
3.66%4.16%4.66%Sep 14, 2026: 4.16% APYSep 14, 2026Oct 12, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
24 Month View Today's Full List of CD Offerings here
$100,000
4.15% ▲ 1.00% above Florida avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.15%▲ 1.00% above avgNationally 2.88%
Details

Interest Frequency: Semi

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 12, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
24 Month IRA Jumbo
$100,000
4.13% ▲ 0.98% above Florida avg
View
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.15%▲ 0.98% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.87% → 4.13% ▲ 0.26 pts · high 4.13% / low 3.87%
3.37%4.00%4.63%Sep 14, 2026: 3.87% APYOct 10, 2026: 4.13% APYSep 14, 2026Oct 12, 2026
  • Oct 10, 20264.13%▲ from 3.87%
  • Sep 14, 20263.87%first recorded
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
24 MONTH CERTIFICATE
$75,000
4.11% ▲ 0.96% above Florida avg
View
▼
RateN/A
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.15%▲ 0.96% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.11% APY · checked 6 times
3.61%4.11%4.61%Sep 14, 2026: 4.11% APYSep 14, 2026Oct 12, 2026
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
24 MONTH IRA CERT
$75,000
4.11% ▲ 0.96% above Florida avg
View
▼
RateN/A
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.15%▲ 0.96% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.11% APY · checked 6 times
3.61%4.11%4.61%Sep 14, 2026: 4.11% APYSep 14, 2026Oct 12, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
24 Month View Today's Full List of CD Offerings here
$100,000
4.10% ▲ 0.95% above Florida avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.15%▲ 0.95% above avgNationally 2.88%
Details

Interest Frequency: Semi

Rate History
No change since Oct 7, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 7, 2026: 4.10% APYOct 7, 2026Oct 12, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Retirement Liquid Share Certificates - 2 Year
$0
4.10% ▲ 0.95% above Florida avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.15%▲ 0.95% above avgNationally 2.88%
Details

Rate History
No change since Oct 9, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 9, 2026: 4.10% APYOct 9, 2026Oct 12, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
24 Month Certificate
$1,000
4.07% ▲ 0.92% above Florida avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.15%▲ 0.92% above avgNationally 2.88%
Details

Rate History
1 change since Sep 22, 2026 · 3.82% → 4.07% ▲ 0.25 pts · high 4.07% / low 3.82%
3.32%3.95%4.57%Sep 22, 2026: 3.82% APYOct 10, 2026: 4.07% APYSep 22, 2026Oct 12, 2026
  • Oct 10, 20264.07%▲ from 3.82%
  • Sep 22, 20263.82%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
24 Month IRA
$1,000
4.07% ▲ 0.92% above Florida avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.15%▲ 0.92% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.82% → 4.07% ▲ 0.25 pts · high 4.07% / low 3.82%
3.32%3.95%4.57%Sep 14, 2026: 3.82% APYOct 10, 2026: 4.07% APYSep 14, 2026Oct 12, 2026
  • Oct 10, 20264.07%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
24 MONTH CERTIFICATE
$1,000
4.06% ▲ 0.91% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.15%▲ 0.91% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 6 times
3.56%4.06%4.56%Sep 14, 2026: 4.06% APYSep 14, 2026Oct 12, 2026
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
24 MONTH IRA CERT
$1,000
4.06% ▲ 0.91% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.15%▲ 0.91% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 6 times
3.56%4.06%4.56%Sep 14, 2026: 4.06% APYSep 14, 2026Oct 12, 2026
Transport Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
24 Month Jumbo Certificates
$100,000
4.06% ▲ 0.91% above Florida avg
View
▼
Rate4.00%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.15%▲ 0.91% above avgNationally 2.88%
Details

Jumbo Certificate rates require a $100,000.00 minimum deposit. Contact a Consumer Financial Advocate or review your Important Account Information brochure for details on terms and conditions.

Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 6 times
3.56%4.06%4.56%Sep 14, 2026: 4.06% APYSep 14, 2026Oct 12, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Retirement Liquid Share Certificates - 2 Year
$0
4.05% ▲ 0.90% above Florida avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.15%▲ 0.90% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 4.05% APY · checked 4 times
3.55%4.05%4.55%Sep 18, 2026: 4.05% APYSep 18, 2026Oct 12, 2026
Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
24 Month Term Certificate
$0
4.05% ▲ 0.90% above Florida avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.15%▲ 0.90% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.05% ▲ 0.30 pts · high 4.05% / low 3.75%
3.25%3.90%4.55%Sep 14, 2026: 3.75% APYOct 10, 2026: 4.05% APYSep 14, 2026Oct 12, 2026
  • Oct 10, 20264.05%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
24 Month Jumbo Certificate
$0
4.03% ▲ 0.88% above Florida avg
View
▼
Rate3.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.15%▲ 0.88% above avgNationally 2.88%
Details

Rate History
No change since Oct 5, 2026 · 4.03% APY · checked 2 times
3.53%4.03%4.53%Oct 5, 2026: 4.03% APYOct 5, 2026Oct 12, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
24 Month Bonus Certificates
$0
4.02% ▲ 0.87% above Florida avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.15%▲ 0.87% above avgNationally 2.88%
Details

Balance: 24 Month

Rate History
2 changes since Sep 21, 2026 · 3.96% → 4.02% ▲ 0.06 pts · high 4.02% / low 3.96%
3.46%3.99%4.52%Sep 21, 2026: 3.96% APYSep 25, 2026: 3.97% APYOct 9, 2026: 4.02% APYSep 21, 2026Oct 12, 2026
  • Oct 9, 20264.02%▲ from 3.97%
  • Sep 25, 20263.97%▲ from 3.96%
  • Sep 21, 20263.96%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
24 Month Bonus IRA Certificate
$0
4.02% ▲ 0.87% above Florida avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.15%▲ 0.87% above avgNationally 2.88%
Details

Balance: $40,000

Rate History
No change since Oct 9, 2026 · 4.02% APY
3.52%4.02%4.52%Oct 9, 2026: 4.02% APYOct 9, 2026Oct 12, 2026
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
24-month CD
$1,000
4.00% ▲ 0.85% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.15%▲ 0.85% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.00% → 4.00% ▲ 1.00 pts · high 4.00% / low 3.00%
2.00%3.50%5.00%Sep 14, 2026: 3.00% APYSep 24, 2026: 4.00% APYSep 14, 2026Oct 12, 2026
  • Sep 24, 20264.00%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Commerce Bank & Trust Winter Park, FL
Institution Rating:
C-3.7 ★Texas Ratio: 30.17%
24 month CD
$500
4.00% ▲ 0.85% above Florida avg
View
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.15%▲ 0.85% above avgNationally 2.88%
Details

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

Rate History
1 change since Sep 11, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 11, 2026: 3.50% APYSep 24, 2026: 4.00% APYSep 11, 2026Oct 12, 2026
  • Sep 24, 20264.00%▲ from 3.50%
  • Sep 11, 20263.50%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
24 Month CD
$0
4.00% ▲ 0.85% above Florida avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.15%▲ 0.85% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 12, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
24 Month Certificate of Deposit
$1,000
4.00% ▲ 0.85% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.15%▲ 0.85% 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 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 12, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
24-Month IRA
$1,000
4.00% ▲ 0.85% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.15%▲ 0.85% 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 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 12, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts 24-Month
$1,000
4.00% ▲ 0.85% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.15%▲ 0.85% 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 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 14, 2026: 3.75% APYOct 7, 2026: 4.00% APYSep 14, 2026Oct 12, 2026
  • Oct 7, 20264.00%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
24 Months Business Share Certificate/CD
$1,000
4.00% ▲ 0.85% above Florida avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.15%▲ 0.85% above avgNationally 2.88%
Details

Balance: $1,000 - $9,999

Rate History
No change since Sep 21, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 21, 2026: 4.00% APYSep 21, 2026Oct 12, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
24 Months CD
$1,000
4.00% ▲ 0.85% above Florida avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.15%▲ 0.85% above avgNationally 2.88%
Details

Balance: $1,000 - $9,999

Rate History
No change since Sep 17, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 17, 2026: 4.00% APYSep 17, 2026Oct 12, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2 Year Business Share Certificates
$0
4.00% ▲ 0.85% above Florida avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.15%▲ 0.85% above avgNationally 2.88%
Details

Balance: $100,000

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 12, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2 Year Retirement Liquid Share Certificates
$0
4.00% ▲ 0.85% above Florida avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.15%▲ 0.85% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 12, 2026
Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
24 Month Standard Certificate
$0
4.00% ▲ 0.85% above Florida avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.15%▲ 0.85% above avgNationally 2.88%
Details

Rate History
No change since Oct 5, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 5, 2026: 4.00% APYOct 5, 2026Oct 12, 2026
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
24 Month Jumbo Certificate
$0
4.00% ▲ 0.85% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.15%▲ 0.85% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 12, 2026

West Miami 36 Month CD Rates

Florida 36 Month CD Average2.97% APYNational 2.81%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
City National Bank of Florida
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
5782 Sw 8th St, West Miami, FL 33144
36-month online CD
$25,000
4.50% ▲ 1.53% above Florida avg
View
▼
Rate4.40%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.97%▲ 1.53% above avgNationally 2.81%
Details

Online-only high-yield rates.

Rate History
1 change since Sep 18, 2026 · 3.76% → 4.50% ▲ 0.74 pts · high 4.50% / low 3.76%
3.02%4.13%5.24%Sep 18, 2026: 3.76% APYOct 2, 2026: 4.50% APYSep 18, 2026Oct 12, 2026
  • Oct 2, 20264.50%▲ from 3.76%
  • Sep 18, 20263.76%first recorded
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
36 Month Certificate
$2,000
5.05% ▲ 2.08% above Florida avg
View
▼
Rate4.93%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.97%▲ 2.08% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 5.05% APY · checked 2 times
4.55%5.05%5.55%Oct 7, 2026: 5.05% APYOct 7, 2026Oct 12, 2026
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
36 Month Certificate
$0
4.85% ▲ 1.88% above Florida avg
View
▼
Rate4.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.97%▲ 1.88% above avgNationally 2.81%
Details

Rate History
No change since Oct 6, 2026 · 4.85% APY · checked 2 times
4.35%4.85%5.35%Oct 6, 2026: 4.85% APYOct 6, 2026Oct 12, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
Relationship CD - 36 Month
$0
4.60% ▲ 1.63% above Florida avg
View
▼
Rate4.52%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.97%▲ 1.63% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 4.20% → 4.60% ▲ 0.40 pts · high 4.60% / low 4.20%
3.70%4.40%5.10%Sep 14, 2026: 4.20% APYSep 24, 2026: 4.60% APYSep 14, 2026Oct 12, 2026
  • Sep 24, 20264.60%▲ from 4.20%
  • Sep 14, 20264.20%first recorded
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
36 Month Bonus CD
$500
4.50% ▲ 1.53% above Florida avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.97%▲ 1.53% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 4 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APYSep 18, 2026Oct 12, 2026
Transport Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
36 Month Jumbo Certificates
$100,000
4.32% ▲ 1.35% above Florida avg
View
▼
Rate4.25%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.97%▲ 1.35% above avgNationally 2.81%
Details

Jumbo Certificate rates require a $100,000.00 minimum deposit. Contact a Consumer Financial Advocate or review your Important Account Information brochure for details on terms and conditions.

Rate History
No change since Sep 14, 2026 · 4.32% APY · checked 6 times
3.82%4.32%4.82%Sep 14, 2026: 4.32% APYSep 14, 2026Oct 12, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
36 Month View Today's Full List of CD Offerings here
$100,000
4.25% ▲ 1.28% above Florida avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.97%▲ 1.28% above avgNationally 2.81%
Details

Interest Frequency: Semi

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 12, 2026
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
36 Month Jumbo Certificate
$0
4.25% ▲ 1.28% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.97%▲ 1.28% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 5 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APYSep 18, 2026Oct 12, 2026
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
36 Month Share Certificate
$0
4.25% ▲ 1.28% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.97%▲ 1.28% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 5 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APYSep 18, 2026Oct 12, 2026
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
36 Month Youth Certificate
$0
4.25% ▲ 1.28% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.97%▲ 1.28% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 5 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APYSep 18, 2026Oct 12, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
36 Month View Today's Full List of CD Offerings here
$100,000
4.20% ▲ 1.23% above Florida avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.97%▲ 1.23% above avgNationally 2.81%
Details

Interest Frequency: Monthly

Rate History
No change since Oct 7, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 7, 2026: 4.20% APYOct 7, 2026Oct 12, 2026
Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
36 Month Term Jumbo Certificate
$0
4.20% ▲ 1.23% above Florida avg
View
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.97%▲ 1.23% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.20% ▲ 0.30 pts · high 4.20% / low 3.90%
3.40%4.05%4.70%Sep 14, 2026: 3.90% APYOct 10, 2026: 4.20% APYSep 14, 2026Oct 12, 2026
  • Oct 10, 20264.20%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year ESA Long-Term Certificate
$100,000
4.15% ▲ 1.18% above Florida avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.97%▲ 1.18% above avgNationally 2.81%
Details

Balance: $100,000 and over; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Sep 30, 2026: 4.15% APYSep 30, 2026Oct 12, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
36 Month View Today's Full List of CD Offerings here
$100,000
4.15% ▲ 1.18% above Florida avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.97%▲ 1.18% above avgNationally 2.81%
Details

Interest Frequency: Semi

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 12, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
36 Month CD
$0
4.15% ▲ 1.18% above Florida avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.97%▲ 1.18% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 12, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
36 Month Certificate of Deposit
$1,000
4.15% ▲ 1.18% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.97%▲ 1.18% above avgNationally 2.81%
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
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 12, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
36-Month IRA
$1,000
4.15% ▲ 1.18% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.97%▲ 1.18% above avgNationally 2.81%
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
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 12, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts 36-Month
$1,000
4.15% ▲ 1.18% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.97%▲ 1.18% above avgNationally 2.81%
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%
3.25%3.95%4.65%Sep 14, 2026: 3.75% APYOct 7, 2026: 4.15% APYSep 14, 2026Oct 12, 2026
  • 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%
3 Years Add-On Certificate
$0
4.15% ▲ 1.18% above Florida avg
View
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.97%▲ 1.18% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 7 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Oct 12, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
36 Month IRA Jumbo
$100,000
4.13% ▲ 1.16% above Florida avg
View
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.97%▲ 1.16% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.87% → 4.13% ▲ 0.26 pts · high 4.13% / low 3.87%
3.37%4.00%4.63%Sep 14, 2026: 3.87% APYOct 10, 2026: 4.13% APYSep 14, 2026Oct 12, 2026
  • Oct 10, 20264.13%▲ from 3.87%
  • Sep 14, 20263.87%first recorded
Connect Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
36 Month Certificate
$1,000
4.12% ▲ 1.15% above Florida avg
View
▼
Rate4.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average2.97%▲ 1.15% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.35% → 4.12% ▲ 0.77 pts · high 4.12% / low 3.35%
2.58%3.74%4.89%Sep 14, 2026: 3.35% APYOct 5, 2026: 4.12% APYSep 14, 2026Oct 12, 2026
  • Oct 5, 20264.12%▲ from 3.35%
  • Sep 14, 20263.35%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year ESA Long-Term Certificate
$1,000
4.10% ▲ 1.13% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.97%▲ 1.13% above avgNationally 2.81%
Details

Balance: $1,000 - $19,999.99; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Sep 30, 2026: 4.10% APYSep 30, 2026Oct 12, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
CD - 36 Month
$0
4.10% ▲ 1.13% above Florida avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.97%▲ 1.13% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
3.20%3.90%4.60%Sep 14, 2026: 3.70% APYSep 24, 2026: 4.10% APYSep 14, 2026Oct 12, 2026
  • Sep 24, 20264.10%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
36 Month View Today's Full List of CD Offerings here
$100,000
4.10% ▲ 1.13% above Florida avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.97%▲ 1.13% above avgNationally 2.81%
Details

Interest Frequency: Semi

Rate History
No change since Oct 7, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 7, 2026: 4.10% APYOct 7, 2026Oct 12, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Retirement Liquid Share Certificates - 3 Year
$0
4.10% ▲ 1.13% above Florida avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average2.97%▲ 1.13% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
3.50%4.05%4.60%Sep 14, 2026: 4.00% APYOct 9, 2026: 4.10% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20264.10%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
36 Month Term Certificate
$0
4.10% ▲ 1.13% above Florida avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.97%▲ 1.13% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.10% ▲ 0.30 pts · high 4.10% / low 3.80%
3.30%3.95%4.60%Sep 14, 2026: 3.80% APYOct 10, 2026: 4.10% APYSep 14, 2026Oct 12, 2026
  • Oct 10, 20264.10%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
McCoy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
36 Month Share Certificate
$0
4.07% ▲ 1.10% above Florida avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Florida Average2.97%▲ 1.10% above avgNationally 2.81%
Details

Balance: $1,000 - $4,999

Rate History
1 change since Sep 17, 2026 · 3.45% → 4.07% ▲ 0.62 pts · high 4.07% / low 3.45%
2.83%3.76%4.70%Sep 17, 2026: 3.45% APYSep 25, 2026: 4.07% APYSep 17, 2026Oct 12, 2026
  • Sep 25, 20264.07%▲ from 3.45%
  • Sep 17, 20263.45%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
36 Month Certificate
$1,000
4.07% ▲ 1.10% above Florida avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.97%▲ 1.10% above avgNationally 2.81%
Details

Rate History
1 change since Sep 22, 2026 · 3.82% → 4.07% ▲ 0.25 pts · high 4.07% / low 3.82%
3.32%3.95%4.57%Sep 22, 2026: 3.82% APYOct 10, 2026: 4.07% APYSep 22, 2026Oct 12, 2026
  • Oct 10, 20264.07%▲ from 3.82%
  • Sep 22, 20263.82%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
36 Month IRA
$1,000
4.07% ▲ 1.10% above Florida avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.97%▲ 1.10% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.82% → 4.07% ▲ 0.25 pts · high 4.07% / low 3.82%
3.32%3.95%4.57%Sep 14, 2026: 3.82% APYOct 10, 2026: 4.07% APYSep 14, 2026Oct 12, 2026
  • Oct 10, 20264.07%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
Transport Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
36 Month Share Certificate
$0
4.06% ▲ 1.09% above Florida avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.97%▲ 1.09% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 6 times
3.56%4.06%4.56%Sep 14, 2026: 4.06% APYSep 14, 2026Oct 12, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
36 Month View Today's Full List of CD Offerings here
$100,000
4.05% ▲ 1.08% above Florida avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.97%▲ 1.08% above avgNationally 2.81%
Details

Interest Frequency: Monthly

Rate History
No change since Oct 7, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 7, 2026: 4.05% APYOct 7, 2026Oct 12, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Retirement Liquid Share Certificates - 3 Year
$0
4.05% ▲ 1.08% above Florida avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average2.97%▲ 1.08% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.05% ▲ 0.05 pts · high 4.05% / low 4.00%
3.50%4.03%4.55%Sep 14, 2026: 4.00% APYOct 9, 2026: 4.05% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20264.05%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
36 Month Jumbo Certificate
$0
4.03% ▲ 1.06% above Florida avg
View
▼
Rate3.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average2.97%▲ 1.06% above avgNationally 2.81%
Details

Rate History
No change since Oct 5, 2026 · 4.03% APY · checked 2 times
3.53%4.03%4.53%Oct 5, 2026: 4.03% APYOct 5, 2026Oct 12, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
36 Month Bonus Certificates
$0
4.02% ▲ 1.05% above Florida avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average2.97%▲ 1.05% above avgNationally 2.81%
Details

Balance: 36 Month

Rate History
1 change since Sep 21, 2026 · 3.97% → 4.02% ▲ 0.05 pts · high 4.02% / low 3.97%
3.47%4.00%4.52%Sep 21, 2026: 3.97% APYOct 9, 2026: 4.02% APYSep 21, 2026Oct 12, 2026
  • Oct 9, 20264.02%▲ from 3.97%
  • Sep 21, 20263.97%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
36 Month Bonus IRA Certificate
$0
4.02% ▲ 1.05% above Florida avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average2.97%▲ 1.05% above avgNationally 2.81%
Details

Balance: $40,000

Rate History
No change since Oct 9, 2026 · 4.02% APY
3.52%4.02%4.52%Oct 9, 2026: 4.02% APYOct 9, 2026Oct 12, 2026
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
3 Year Rising Rate CD
$0
4.00% ▲ 1.03% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.97%▲ 1.03% above avgNationally 2.81%
Details

Minimum to Obtain: $500

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 12, 2026
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
36 Month Bonus CD
$500
4.00% ▲ 1.03% above Florida avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.97%▲ 1.03% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 12, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
36 Month View Today's Full List of CD Offerings here
$100,000
4.00% ▲ 1.03% above Florida avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.97%▲ 1.03% above avgNationally 2.81%
Details

Interest Frequency: Monthly

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 12, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
36 Months Business Share Certificate/CD
$1,000
4.00% ▲ 1.03% above Florida avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average2.97%▲ 1.03% above avgNationally 2.81%
Details

Balance: $1,000 - $9,999

Rate History
No change since Sep 21, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 21, 2026: 4.00% APYSep 21, 2026Oct 12, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
36 Months CD
$1,000
4.00% ▲ 1.03% above Florida avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average2.97%▲ 1.03% above avgNationally 2.81%
Details

Balance: $1,000 - $9,999

Rate History
No change since Sep 17, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 17, 2026: 4.00% APYSep 17, 2026Oct 12, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
3 Year Business Share Certificates
$0
4.00% ▲ 1.03% above Florida avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average2.97%▲ 1.03% above avgNationally 2.81%
Details

Balance: $100,000

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 12, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Retirement Liquid Share Certificates - 3 Year
$0
4.00% ▲ 1.03% above Florida avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average2.97%▲ 1.03% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 12, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 3 Year
$100,000
4.00% ▲ 1.03% above Florida avg
View
▼
Rate3.93%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average2.97%▲ 1.03% above avgNationally 2.81%
Details

Rate History
No change since Oct 9, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 9, 2026: 4.00% APYOct 9, 2026Oct 12, 2026
Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
36 Month Standard Certificate
$0
4.00% ▲ 1.03% above Florida avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average2.97%▲ 1.03% above avgNationally 2.81%
Details

Rate History
No change since Oct 5, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 5, 2026: 4.00% APYOct 5, 2026Oct 12, 2026
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
36 Month Certificate
$1,000
4.00% ▲ 1.03% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.97%▲ 1.03% above avgNationally 2.81%
Details

Offer and rate valid as of October 1, 2026, and may be canceled without notice. Membership and eligibility requirements apply. Fees may reduce earnings. The initial deposit cannot exceed $5 million per member or $10 million per address. Advertised Annual Percentage Yield (APY) for 36-month CD is 4.00%, based on the assumption that the funds will remain in the certificate until maturity. Penalties may apply for withdrawal of funds before maturity. Contact employees for further information on fees and terms.

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 12, 2026
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
3-Year Share Certificate
$1,000
3.98% ▲ 1.01% above Florida avg
View
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average2.97%▲ 1.01% above avgNationally 2.81%
Details

Penalty for early withdrawal: 9 Months Dividends

Rate History
No change since Sep 14, 2026 · 3.98% APY · checked 7 times
3.48%3.98%4.48%Sep 14, 2026: 3.98% APYSep 14, 2026Oct 12, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
3 Year Business Share Certificates
$0
3.95% ▲ 0.98% above Florida avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average2.97%▲ 0.98% above avgNationally 2.81%
Details

Balance: $50,000

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 9 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 12, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 3 Year
$50,000
3.95% ▲ 0.98% above Florida avg
View
▼
Rate3.88%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average2.97%▲ 0.98% above avgNationally 2.81%
Details

Rate History
No change since Oct 9, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Oct 9, 2026: 3.95% APYOct 9, 2026Oct 12, 2026
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
36 MONTH CERTIFICATE
$150,000
3.91% ▲ 0.94% above Florida avg
View
▼
RateN/A
Min Deposit$150,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average2.97%▲ 0.94% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.91% APY · checked 6 times
3.41%3.91%4.41%Sep 14, 2026: 3.91% APYSep 14, 2026Oct 12, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
3 Year Business Share Certificates
$0
3.90% ▲ 0.93% above Florida avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average2.97%▲ 0.93% above avgNationally 2.81%
Details

Balance: $1,000

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 9 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 12, 2026

West Miami 48 Month CD Rates

Florida 48 Month CD Average2.95% APYNational 2.81%▼ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
48 Month Certificate
$2,000
5.10% ▲ 2.15% above Florida avg
View
▼
Rate4.97%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.95%▲ 2.15% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 5.10% APY · checked 2 times
4.60%5.10%5.60%Oct 7, 2026: 5.10% APYOct 7, 2026Oct 12, 2026
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
48 Month Certificate
$0
4.95% ▲ 2.00% above Florida avg
View
▼
Rate4.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.95%▲ 2.00% above avgNationally 2.81%
Details

Rate History
No change since Oct 6, 2026 · 4.95% APY · checked 2 times
4.45%4.95%5.45%Oct 6, 2026: 4.95% APYOct 6, 2026Oct 12, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
Relationship CD - 48 Month
$0
4.70% ▲ 1.75% above Florida avg
View
▼
Rate4.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.95%▲ 1.75% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 4.25% → 4.70% ▲ 0.45 pts · high 4.70% / low 4.25%
3.75%4.48%5.20%Sep 14, 2026: 4.25% APYSep 24, 2026: 4.70% APYSep 14, 2026Oct 12, 2026
  • Sep 24, 20264.70%▲ from 4.25%
  • Sep 14, 20264.25%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
48 Month View Today's Full List of CD Offerings here
$100,000
4.25% ▲ 1.30% above Florida avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.95%▲ 1.30% above avgNationally 2.81%
Details

Interest Frequency: Semi

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 12, 2026
Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
48 Month Term Jumbo Certificate
$0
4.25% ▲ 1.30% above Florida avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.95%▲ 1.30% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.95% → 4.25% ▲ 0.30 pts · high 4.25% / low 3.95%
3.45%4.10%4.75%Sep 14, 2026: 3.95% APYOct 10, 2026: 4.25% APYSep 14, 2026Oct 12, 2026
  • Oct 10, 20264.25%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
CD - 48 Month
$0
4.20% ▲ 1.25% above Florida avg
View
▼
Rate4.14%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.95%▲ 1.25% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.20% ▲ 0.45 pts · high 4.20% / low 3.75%
3.25%3.98%4.70%Sep 14, 2026: 3.75% APYSep 24, 2026: 4.20% APYSep 14, 2026Oct 12, 2026
  • Sep 24, 20264.20%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
48 Month View Today's Full List of CD Offerings here
$100,000
4.20% ▲ 1.25% above Florida avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.95%▲ 1.25% above avgNationally 2.81%
Details

Interest Frequency: Monthly

Rate History
No change since Oct 7, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 7, 2026: 4.20% APYOct 7, 2026Oct 12, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
48 Month View Today's Full List of CD Offerings here
$100,000
4.15% ▲ 1.20% above Florida avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.95%▲ 1.20% above avgNationally 2.81%
Details

Interest Frequency: Semi

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 12, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
48 Month CD
$0
4.15% ▲ 1.20% above Florida avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.95%▲ 1.20% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 12, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
48 Month Certificate of Deposit
$1,000
4.15% ▲ 1.20% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.95%▲ 1.20% above avgNationally 2.81%
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
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 12, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
48-Month IRA
$1,000
4.15% ▲ 1.20% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.95%▲ 1.20% above avgNationally 2.81%
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
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 12, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts 48-Month
$1,000
4.15% ▲ 1.20% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.95%▲ 1.20% above avgNationally 2.81%
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%
3.25%3.95%4.65%Sep 14, 2026: 3.75% APYOct 7, 2026: 4.15% APYSep 14, 2026Oct 12, 2026
  • Oct 7, 20264.15%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
48 Month Term Certificate
$0
4.15% ▲ 1.20% above Florida avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.95%▲ 1.20% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.15% ▲ 0.30 pts · high 4.15% / low 3.85%
3.35%4.00%4.65%Sep 14, 2026: 3.85% APYOct 10, 2026: 4.15% APYSep 14, 2026Oct 12, 2026
  • Oct 10, 20264.15%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
48 Month IRA Jumbo
$100,000
4.13% ▲ 1.18% above Florida avg
View
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.95%▲ 1.18% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.92% → 4.13% ▲ 0.21 pts · high 4.13% / low 3.92%
3.42%4.03%4.63%Sep 14, 2026: 3.92% APYOct 10, 2026: 4.13% APYSep 14, 2026Oct 12, 2026
  • Oct 10, 20264.13%▲ from 3.92%
  • Sep 14, 20263.92%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
48 Month Certificate
$1,000
4.07% ▲ 1.12% above Florida avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.95%▲ 1.12% above avgNationally 2.81%
Details

Rate History
1 change since Sep 22, 2026 · 3.87% → 4.07% ▲ 0.20 pts · high 4.07% / low 3.87%
3.37%3.97%4.57%Sep 22, 2026: 3.87% APYOct 10, 2026: 4.07% APYSep 22, 2026Oct 12, 2026
  • Oct 10, 20264.07%▲ from 3.87%
  • Sep 22, 20263.87%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
48 Month IRA
$1,000
4.07% ▲ 1.12% above Florida avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.95%▲ 1.12% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.87% → 4.07% ▲ 0.20 pts · high 4.07% / low 3.87%
3.37%3.97%4.57%Sep 14, 2026: 3.87% APYOct 10, 2026: 4.07% APYSep 14, 2026Oct 12, 2026
  • Oct 10, 20264.07%▲ from 3.87%
  • Sep 14, 20263.87%first recorded
Transport Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
48 Month Jumbo Certificates
$100,000
4.06% ▲ 1.11% above Florida avg
View
▼
Rate4.00%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.95%▲ 1.11% above avgNationally 2.81%
Details

Jumbo Certificate rates require a $100,000.00 minimum deposit. Contact a Consumer Financial Advocate or review your Important Account Information brochure for details on terms and conditions.

Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 6 times
3.56%4.06%4.56%Sep 14, 2026: 4.06% APYSep 14, 2026Oct 12, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
48 Month View Today's Full List of CD Offerings here
$100,000
4.05% ▲ 1.10% above Florida avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.95%▲ 1.10% above avgNationally 2.81%
Details

Interest Frequency: Semi

Rate History
No change since Oct 7, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 7, 2026: 4.05% APYOct 7, 2026Oct 12, 2026
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
4-Year Share Certificate
$1,000
4.03% ▲ 1.08% above Florida avg
View
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average2.95%▲ 1.08% above avgNationally 2.81%
Details

Penalty for early withdrawal: 9 Months Dividends

Rate History
No change since Sep 14, 2026 · 4.03% APY · checked 7 times
3.53%4.03%4.53%Sep 14, 2026: 4.03% APYSep 14, 2026Oct 12, 2026
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
48 Month Jumbo Certificate
$0
4.00% ▲ 1.05% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.95%▲ 1.05% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 12, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
48 Month Bonus Certificates
$0
3.97% ▲ 1.02% above Florida avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average2.95%▲ 1.02% above avgNationally 2.81%
Details

Balance: 48 Month

Rate History
No change since Sep 21, 2026 · 3.97% APY · checked 5 times
3.47%3.97%4.47%Sep 21, 2026: 3.97% APYSep 21, 2026Oct 12, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
48 Month Bonus IRA Certificate
$0
3.97% ▲ 1.02% above Florida avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average2.95%▲ 1.02% above avgNationally 2.81%
Details

Balance: $40,000

Rate History
No change since Oct 9, 2026 · 3.97% APY
3.47%3.97%4.47%Oct 9, 2026: 3.97% APYOct 9, 2026Oct 12, 2026
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
Jumbo Term Share Certificates - 4 Years
$0
3.90% ▲ 0.95% above Florida avg
View
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.95%▲ 0.95% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 6 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 12, 2026
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
48-Month Term Certificate
$0
3.85% ▲ 0.90% above Florida avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.95%▲ 0.90% above avgNationally 2.81%
Details

Balance: $750,000-$999,999.99

Rate History
No change since Sep 24, 2026 · 3.85% APY · checked 5 times
3.35%3.85%4.35%Sep 24, 2026: 3.85% APYSep 24, 2026Oct 12, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
48 Month Certificate
$0
3.81% ▲ 0.86% above Florida avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average2.95%▲ 0.86% above avgNationally 2.81%
Details

Balance: $2,500

Rate History
1 change since Sep 14, 2026 · 3.76% → 3.81% ▲ 0.05 pts · high 3.81% / low 3.76%
3.26%3.79%4.31%Sep 14, 2026: 3.76% APYOct 5, 2026: 3.81% APYSep 14, 2026Oct 12, 2026
  • Oct 5, 20263.81%▲ from 3.76%
  • Sep 14, 20263.76%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
IRA Certificates - 48 Month
$0
3.81% ▲ 0.86% above Florida avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average2.95%▲ 0.86% above avgNationally 2.81%
Details

Balance: $2,000

Rate History
No change since Oct 5, 2026 · 3.81% APY · checked 2 times
3.31%3.81%4.31%Oct 5, 2026: 3.81% APYOct 5, 2026Oct 12, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
48 Month View Today's Full List of CD Offerings here
$200,000
3.80% ▲ 0.85% above Florida avg
View
▼
RateN/A
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.95%▲ 0.85% above avgNationally 2.81%
Details

Interest Frequency: Monthly

Rate History
No change since Oct 7, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 7, 2026: 3.80% APYOct 7, 2026Oct 12, 2026
Transport Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
48 Month Share Certificate
$0
3.80% ▲ 0.85% above Florida avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.95%▲ 0.85% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 12, 2026
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
4 Year Term Share Certificates
$1,000
3.80% ▲ 0.85% above Florida avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.95%▲ 0.85% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 5 times
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYSep 18, 2026Oct 12, 2026
GTE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.65%
Jumbo Share Certificate - 48 months
$100,000
3.76% ▲ 0.81% above Florida avg
View
▼
Rate3.70%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average2.95%▲ 0.81% above avgNationally 2.81%
Details

Jumbo Share Certificate for opening deposits of $100,000 or more

Rate History
No change since Sep 25, 2026 · 3.76% APY · checked 4 times
3.26%3.76%4.26%Sep 25, 2026: 3.76% APYSep 25, 2026Oct 12, 2026
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
48-Month Term Certificate
$0
3.75% ▲ 0.80% above Florida avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.95%▲ 0.80% above avgNationally 2.81%
Details

Balance: $500,000-$749,999.99

Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 24, 2026: 3.75% APYSep 24, 2026Oct 12, 2026
Monroe County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.30%
48 Month - Share Certificate
$0
3.75% ▲ 0.80% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Florida Average2.95%▲ 0.80% above avgNationally 2.81%
Details

Early withdrawal penalties apply

Rate History
No change since Sep 20, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 20, 2026: 3.75% APYSep 20, 2026Oct 12, 2026
Monroe County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.30%
48 Month IRA CD
$0
3.75% ▲ 0.80% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Florida Average2.95%▲ 0.80% above avgNationally 2.81%
Details

Early withdrawal penalties apply

Rate History
No change since Sep 20, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 20, 2026: 3.75% APYSep 20, 2026Oct 12, 2026
Monroe County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.30%
48 Month min.
$10,000
3.75% ▲ 0.80% above Florida avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Florida Average2.95%▲ 0.80% above avgNationally 2.81%
Details

Rate History
No change since Sep 12, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 12, 2026: 3.75% APYSep 12, 2026Oct 12, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
4 Year Certificate
$1,000
3.75% ▲ 0.80% above Florida avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average2.95%▲ 0.80% above avgNationally 2.81%
Details

Balance: $1,000.00+

Rate History
No change since Sep 29, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 29, 2026: 3.75% APYSep 29, 2026Oct 12, 2026
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
48 month IRA CD
$0
3.75% ▲ 0.80% above Florida avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average2.95%▲ 0.80% above avgNationally 2.81%
Details

Balance: $100,000 and over

Rate History
No change since Sep 21, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 21, 2026: 3.75% APYSep 21, 2026Oct 12, 2026
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
48 Month Share Certificate
$0
3.75% ▲ 0.80% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.95%▲ 0.80% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 12, 2026
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
48 Month Youth Certificate
$0
3.75% ▲ 0.80% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.95%▲ 0.80% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 12, 2026
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
48 Month Business Fixed Rate Certificate
$1,000
3.72% ▲ 0.77% above Florida avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.95%▲ 0.77% above avgNationally 2.81%
Details

Compound Period: Daily

Rate History
No change since Sep 14, 2026 · 3.72% APY · checked 6 times
3.22%3.72%4.22%Sep 14, 2026: 3.72% APYSep 14, 2026Oct 12, 2026
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
48 Month Fixed Rate Certificate
$1,000
3.72% ▲ 0.77% above Florida avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.95%▲ 0.77% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 3.72% APY · checked 2 times
3.22%3.72%4.22%Sep 18, 2026: 3.72% APYSep 18, 2026Oct 12, 2026
Commerce Bank & Trust Winter Park, FL
Institution Rating:
C-3.7 ★Texas Ratio: 30.17%
48 month CD
$500
3.70% ▲ 0.75% above Florida avg
View
▼
Rate3.63%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.95%▲ 0.75% above avgNationally 2.81%
Details

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

Rate History
1 change since Sep 11, 2026 · 3.66% → 3.70% ▲ 0.04 pts · high 3.70% / low 3.66%
3.16%3.68%4.20%Sep 11, 2026: 3.66% APYSep 24, 2026: 3.70% APYSep 11, 2026Oct 12, 2026
  • Sep 24, 20263.70%▲ from 3.66%
  • Sep 11, 20263.66%first recorded
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
48 month IRA CD
$0
3.70% ▲ 0.75% above Florida avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average2.95%▲ 0.75% above avgNationally 2.81%
Details

Balance: $25,000 - $99,999.99

Rate History
No change since Sep 21, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 21, 2026: 3.70% APYSep 21, 2026Oct 12, 2026
Fairwinds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
48 Month IRA CD
$0
3.67% ▲ 0.72% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.95%▲ 0.72% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 3.47% → 3.67% ▲ 0.20 pts · high 3.67% / low 3.47%
2.97%3.57%4.17%Sep 18, 2026: 3.47% APYOct 10, 2026: 3.67% APYSep 18, 2026Oct 12, 2026
  • Oct 10, 20263.67%▲ from 3.47%
  • Sep 18, 20263.47%first recorded
Fairwinds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
48-Month CD
$0
3.67% ▲ 0.72% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.95%▲ 0.72% above avgNationally 2.81%
Details

Last updated 10/09/2026

Rate History
1 change since Sep 14, 2026 · 3.47% → 3.67% ▲ 0.20 pts · high 3.67% / low 3.47%
2.97%3.57%4.17%Sep 14, 2026: 3.47% APYOct 10, 2026: 3.67% APYSep 14, 2026Oct 12, 2026
  • Oct 10, 20263.67%▲ from 3.47%
  • Sep 14, 20263.47%first recorded
EGLIN
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
48 Month Preferred Investment Certificates
$0
3.66% ▲ 0.71% above Florida avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.95%▲ 0.71% above avgNationally 2.81%
Details

see details

Rate History
No change since Sep 14, 2026 · 3.66% APY · checked 7 times
3.16%3.66%4.16%Sep 14, 2026: 3.66% APYSep 14, 2026Oct 12, 2026
Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
48 Month Jumbo Certificate
$100,000
3.65% ▲ 0.70% above Florida avg
View
▼
Rate3.58%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average2.95%▲ 0.70% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 12, 2026
Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
48 Month Traditional/Roth IRA Jumbo Certificate
$100,000
3.65% ▲ 0.70% above Florida avg
View
▼
Rate3.58%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average2.95%▲ 0.70% above avgNationally 2.81%
Details

Rate History
No change since Oct 5, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 5, 2026: 3.65% APYOct 5, 2026Oct 12, 2026
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
48 month CD
$0
3.65% ▲ 0.70% above Florida avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average2.95%▲ 0.70% above avgNationally 2.81%
Details

Balance: $100,000 and over

Rate History
No change since Sep 21, 2026 · 3.65% APY · checked 5 times
3.15%3.65%4.15%Sep 21, 2026: 3.65% APYSep 21, 2026Oct 12, 2026
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
48 month IRA CD
$0
3.65% ▲ 0.70% above Florida avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average2.95%▲ 0.70% above avgNationally 2.81%
Details

Balance: $500 - $24,999.99

Rate History
No change since Sep 21, 2026 · 3.65% APY · checked 5 times
3.15%3.65%4.15%Sep 21, 2026: 3.65% APYSep 21, 2026Oct 12, 2026
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
Business 48 month CD
$0
3.65% ▲ 0.70% above Florida avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average2.95%▲ 0.70% above avgNationally 2.81%
Details

Balance: $100,000 and over

Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 18, 2026: 3.65% APYSep 18, 2026Oct 12, 2026

West Miami 60 Month CD Rates

Florida 60 Month CD Average3.19% APYNational 2.90%▲ 0.09% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
City National Bank of Florida
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
5782 Sw 8th St, West Miami, FL 33144
60-month online CD
$25,000
4.50% ▲ 1.31% above Florida avg
View
▼
Rate4.40%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.19%▲ 1.31% above avgNationally 2.90%
Details

Online-only high-yield rates.

Rate History
1 change since Sep 18, 2026 · 3.76% → 4.50% ▲ 0.74 pts · high 4.50% / low 3.76%
3.02%4.13%5.24%Sep 18, 2026: 3.76% APYOct 2, 2026: 4.50% APYSep 18, 2026Oct 12, 2026
  • Oct 2, 20264.50%▲ from 3.76%
  • Sep 18, 20263.76%first recorded
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
60 Month Certificate
$2,000
5.20% ▲ 2.01% above Florida avg
View
▼
Rate5.07%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.19%▲ 2.01% above avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 5.20% APY · checked 2 times
4.70%5.20%5.70%Oct 7, 2026: 5.20% APYOct 7, 2026Oct 12, 2026
Brightstar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
5-Year Certificate
$500
5.00% ▲ 1.81% above Florida avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.19%▲ 1.81% above avgNationally 2.90%
Details

Platinum Star Member tier

Rate History
No change since Oct 1, 2026 · 5.00% APY · checked 3 times
4.50%5.00%5.50%Oct 1, 2026: 5.00% APYOct 1, 2026Oct 12, 2026
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
60 Month Certificate
$0
5.00% ▲ 1.81% above Florida avg
View
▼
Rate4.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.19%▲ 1.81% above avgNationally 2.90%
Details

Rate History
No change since Oct 6, 2026 · 5.00% APY · checked 2 times
4.50%5.00%5.50%Oct 6, 2026: 5.00% APYOct 6, 2026Oct 12, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
Relationship CD - 60 Month
$0
4.75% ▲ 1.56% above Florida avg
View
▼
Rate4.67%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.19%▲ 1.56% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 4.35% → 4.75% ▲ 0.40 pts · high 4.75% / low 4.35%
3.85%4.55%5.25%Sep 14, 2026: 4.35% APYSep 24, 2026: 4.75% APYSep 14, 2026Oct 12, 2026
  • Sep 24, 20264.75%▲ from 4.35%
  • Sep 14, 20264.35%first recorded
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
Jumbo 60 Month Certificates
$0
4.75% ▲ 1.56% above Florida avg
View
▼
Rate4.67%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.19%▲ 1.56% above avgNationally 2.90%
Details

Jumbo 60 Month Certificates** - Minimum $75,000; Early Withdrawal Penalty: 180 days interest

Rate History
1 change since Sep 18, 2026 · 4.35% → 4.75% ▲ 0.40 pts · high 4.75% / low 4.35%
3.85%4.55%5.25%Sep 18, 2026: 4.35% APYOct 1, 2026: 4.75% APYSep 18, 2026Oct 12, 2026
  • Oct 1, 20264.75%▲ from 4.35%
  • Sep 18, 20264.35%first recorded
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
60 Month Bonus CD
$500
4.50% ▲ 1.31% above Florida avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.19%▲ 1.31% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 4 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APYSep 18, 2026Oct 12, 2026
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
Regular 60 Month Certificates
$5,000
4.49% ▲ 1.30% above Florida avg
View
▼
Rate4.42%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.19%▲ 1.30% above avgNationally 2.90%
Details

Minimum $5,000; Early Withdrawal Penalty: 180 days interest

Rate History
1 change since Sep 14, 2026 · 4.09% → 4.49% ▲ 0.40 pts · high 4.49% / low 4.09%
3.59%4.29%4.99%Sep 14, 2026: 4.09% APYOct 1, 2026: 4.49% APYSep 14, 2026Oct 12, 2026
  • Oct 1, 20264.49%▲ from 4.09%
  • Sep 14, 20264.09%first recorded
Climate First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
60-Month CD
$500
4.39% ▲ 1.20% above Florida avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.19%▲ 1.20% above avgNationally 2.90%
Details

90 days interest penalty for early withdrawal

Rate History
No change since Sep 14, 2026 · 4.39% APY · checked 6 times
3.89%4.39%4.89%Sep 14, 2026: 4.39% APYSep 14, 2026Oct 12, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
60 Month View Today's Full List of CD Offerings here
$100,000
4.30% ▲ 1.11% above Florida avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.19%▲ 1.11% above avgNationally 2.90%
Details

Interest Frequency: Semi

Rate History
No change since Oct 7, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 7, 2026: 4.30% APYOct 7, 2026Oct 12, 2026
Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
60 Month Jumbo Certificate
$0
4.28% ▲ 1.09% above Florida avg
View
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.19%▲ 1.09% above avgNationally 2.90%
Details

Rate History
No change since Oct 5, 2026 · 4.28% APY · checked 2 times
3.78%4.28%4.78%Oct 5, 2026: 4.28% APYOct 5, 2026Oct 12, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
60 Month IRA Jumbo
$100,000
4.28% ▲ 1.09% above Florida avg
View
▼
Rate4.20%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.19%▲ 1.09% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.28% APY · checked 7 times
3.78%4.28%4.78%Sep 14, 2026: 4.28% APYSep 14, 2026Oct 12, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
CD - 60 Month
$0
4.25% ▲ 1.06% above Florida avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.19%▲ 1.06% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.25% ▲ 0.40 pts · high 4.25% / low 3.85%
3.35%4.05%4.75%Sep 14, 2026: 3.85% APYSep 24, 2026: 4.25% APYSep 14, 2026Oct 12, 2026
  • Sep 24, 20264.25%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
60 Month View Today's Full List of CD Offerings here
$100,000
4.25% ▲ 1.06% above Florida avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.19%▲ 1.06% above avgNationally 2.90%
Details

Interest Frequency: Semi

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 12, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
60 Month CD
$0
4.25% ▲ 1.06% above Florida avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.19%▲ 1.06% above avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 12, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
60 Month Certificate of Deposit
$1,000
4.25% ▲ 1.06% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.19%▲ 1.06% 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 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 12, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
60-Month IRA
$1,000
4.25% ▲ 1.06% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.19%▲ 1.06% 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 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 12, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts 60-Month
$1,000
4.25% ▲ 1.06% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.19%▲ 1.06% 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% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
3.25%4.00%4.75%Sep 14, 2026: 3.75% APYOct 7, 2026: 4.25% APYSep 14, 2026Oct 12, 2026
  • Oct 7, 20264.25%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
60 Month Standard Certificate
$0
4.25% ▲ 1.06% above Florida avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.19%▲ 1.06% above avgNationally 2.90%
Details

Rate History
No change since Oct 5, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 5, 2026: 4.25% APYOct 5, 2026Oct 12, 2026
Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
60 Month Term Jumbo Certificate
$0
4.25% ▲ 1.06% above Florida avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.19%▲ 1.06% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.95% → 4.25% ▲ 0.30 pts · high 4.25% / low 3.95%
3.45%4.10%4.75%Sep 14, 2026: 3.95% APYOct 10, 2026: 4.25% APYSep 14, 2026Oct 12, 2026
  • Oct 10, 20264.25%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
Connect Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
60 Month Certificate
$1,000
4.23% ▲ 1.04% above Florida avg
View
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.19%▲ 1.04% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.35% → 4.23% ▲ 0.88 pts · high 4.23% / low 3.35%
2.47%3.79%5.11%Sep 14, 2026: 3.35% APYOct 5, 2026: 4.23% APYSep 14, 2026Oct 12, 2026
  • Oct 5, 20264.23%▲ from 3.35%
  • Sep 14, 20263.35%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
60 Month Certificate
$1,000
4.23% ▲ 1.04% above Florida avg
View
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.19%▲ 1.04% above avgNationally 2.90%
Details

Rate History
No change since Sep 22, 2026 · 4.23% APY · checked 5 times
3.73%4.23%4.73%Sep 22, 2026: 4.23% APYSep 22, 2026Oct 12, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
60 Month IRA
$1,000
4.23% ▲ 1.04% above Florida avg
View
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.19%▲ 1.04% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.23% APY · checked 7 times
3.73%4.23%4.73%Sep 14, 2026: 4.23% APYSep 14, 2026Oct 12, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
60 Month View Today's Full List of CD Offerings here
$100,000
4.20% ▲ 1.01% above Florida avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.19%▲ 1.01% above avgNationally 2.90%
Details

Interest Frequency: Monthly

Rate History
No change since Oct 7, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 7, 2026: 4.20% APYOct 7, 2026Oct 12, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
60 Month View Today's Full List of CD Offerings here
$100,000
4.15% ▲ 0.96% above Florida avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.19%▲ 0.96% above avgNationally 2.90%
Details

Interest Frequency: Semi

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 12, 2026
Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
60 Month Term Certificate
$0
4.15% ▲ 0.96% above Florida avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.19%▲ 0.96% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.15% ▲ 0.30 pts · high 4.15% / low 3.85%
3.35%4.00%4.65%Sep 14, 2026: 3.85% APYOct 10, 2026: 4.15% APYSep 14, 2026Oct 12, 2026
  • Oct 10, 20264.15%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Retirement Liquid Share Certificates - 5 Year
$0
4.10% ▲ 0.91% above Florida avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.19%▲ 0.91% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 4 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 12, 2026
BROWARD HEALTHCARE
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
60 Month Star/IRA Certificate
$50,000
4.10% ▲ 0.91% above Florida avg
View
▼
Rate4.02%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.19%▲ 0.91% above avgNationally 2.90%
Details

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

Rate History
1 change since Sep 27, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
3.35%3.97%4.60%Sep 27, 2026: 3.85% APYOct 10, 2026: 4.10% APYSep 27, 2026Oct 12, 2026
  • Oct 10, 20264.10%▲ from 3.85%
  • Sep 27, 20263.85%first recorded
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
5-Year Share Certificate
$1,000
4.08% ▲ 0.89% above Florida avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.19%▲ 0.89% above avgNationally 2.90%
Details

Penalty for early withdrawal: 9 Months Dividends

Rate History
No change since Sep 14, 2026 · 4.08% APY · checked 7 times
3.58%4.08%4.58%Sep 14, 2026: 4.08% APYSep 14, 2026Oct 12, 2026
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
Adjustable 60 Month Term
$1,000,000
4.08% ▲ 0.89% above Florida avg
View
▼
Rate4.00%
Min Deposit$1,000,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.19%▲ 0.89% above avgNationally 2.90%
Details

Rate History
No change since Oct 5, 2026 · 4.08% APY · checked 2 times
3.58%4.08%4.58%Oct 5, 2026: 4.08% APYOct 5, 2026Oct 12, 2026
McCoy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
60 Month Share Certificate
$0
4.07% ▲ 0.88% above Florida avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Florida Average3.19%▲ 0.88% above avgNationally 2.90%
Details

Balance: $1,000 - $4,999

Rate History
1 change since Sep 14, 2026 · 2.89% → 4.07% ▲ 1.19 pts · high 4.07% / low 2.89%
1.70%3.48%5.26%Sep 14, 2026: 2.89% APYSep 25, 2026: 4.07% APYSep 14, 2026Oct 12, 2026
  • Sep 25, 20264.07%▲ from 2.89%
  • Sep 14, 20262.89%first recorded
Transport Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
60 Month Jumbo Certificates
$100,000
4.06% ▲ 0.87% above Florida avg
View
▼
Rate4.00%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.19%▲ 0.87% above avgNationally 2.90%
Details

Jumbo Certificate rates require a $100,000.00 minimum deposit. Contact a Consumer Financial Advocate or review your Important Account Information brochure for details on terms and conditions.

Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 6 times
3.56%4.06%4.56%Sep 14, 2026: 4.06% APYSep 14, 2026Oct 12, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
60 Month View Today's Full List of CD Offerings here
$100,000
4.05% ▲ 0.86% above Florida avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.19%▲ 0.86% above avgNationally 2.90%
Details

Interest Frequency: Semi

Rate History
No change since Oct 7, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 7, 2026: 4.05% APYOct 7, 2026Oct 12, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Retirement Liquid Share Certificates - 5 Year
$0
4.05% ▲ 0.86% above Florida avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.19%▲ 0.86% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 5 times
3.55%4.05%4.55%Sep 14, 2026: 4.05% APYSep 14, 2026Oct 12, 2026
Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
60 Month Certificate
$100,000
4.02% ▲ 0.83% above Florida avg
View
▼
Rate3.95%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Florida Average3.19%▲ 0.83% above avgNationally 2.90%
Details

Dividend Rate $500 - $99,999.99: 3.85%; Annual Percentage Yield (APY) $500 - $99,999.99 : 3.92%; Dividend Rate $100,000+: 3.95%; Annual Percentage Yield (APY) $100,000+: 4.02%

Rate History
No change since Sep 14, 2026 · 4.02% APY · checked 5 times
3.52%4.02%4.52%Sep 14, 2026: 4.02% APYSep 14, 2026Oct 12, 2026
Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
60 Month IRA Certificate
$100,000
4.02% ▲ 0.83% above Florida avg
View
▼
Rate3.95%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Florida Average3.19%▲ 0.83% above avgNationally 2.90%
Details

Balance: $100,000+

Rate History
No change since Oct 8, 2026 · 4.02% APY
3.52%4.02%4.52%Oct 8, 2026: 4.02% APYOct 8, 2026Oct 12, 2026
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
60 Month Bonus CD
$500
4.00% ▲ 0.81% above Florida avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.19%▲ 0.81% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 12, 2026
Monroe County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.30%
60 Month - Share Certificate
$0
4.00% ▲ 0.81% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Florida Average3.19%▲ 0.81% above avgNationally 2.90%
Details

Early withdrawal penalties apply

Rate History
No change since Sep 20, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 20, 2026: 4.00% APYSep 20, 2026Oct 12, 2026
Monroe County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.30%
60 Month IRA CD
$0
4.00% ▲ 0.81% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Florida Average3.19%▲ 0.81% above avgNationally 2.90%
Details

Early withdrawal penalties apply

Rate History
No change since Sep 20, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 20, 2026: 4.00% APYSep 20, 2026Oct 12, 2026
Monroe County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.30%
60 Month min.
$10,000
4.00% ▲ 0.81% above Florida avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Florida Average3.19%▲ 0.81% above avgNationally 2.90%
Details

Rate History
No change since Sep 12, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 12, 2026: 4.00% APYSep 12, 2026Oct 12, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
60 Month Bonus Certificates
$0
4.00% ▲ 0.81% above Florida avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.19%▲ 0.81% above avgNationally 2.90%
Details

Balance: 60 Month

Rate History
No change since Sep 21, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 21, 2026: 4.00% APYSep 21, 2026Oct 12, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
60 Month Bonus IRA Certificate
$0
4.00% ▲ 0.81% above Florida avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.19%▲ 0.81% above avgNationally 2.90%
Details

Balance: $40,000

Rate History
No change since Oct 9, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 9, 2026: 4.00% APYOct 9, 2026Oct 12, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5 Year Business Share Certificates
$0
4.00% ▲ 0.81% above Florida avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.19%▲ 0.81% above avgNationally 2.90%
Details

Balance: $100,000

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 12, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5 Year Retirement Liquid Share Certificates
$0
4.00% ▲ 0.81% above Florida avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.19%▲ 0.81% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 12, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 5 Year
$100,000
4.00% ▲ 0.81% above Florida avg
View
▼
Rate3.93%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.19%▲ 0.81% above avgNationally 2.90%
Details

Rate History
No change since Oct 9, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 9, 2026: 4.00% APYOct 9, 2026Oct 12, 2026
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
60 Month Certificate
$1,000
4.00% ▲ 0.81% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.19%▲ 0.81% above avgNationally 2.90%
Details

Offer and rate valid as of October 1, 2026, and may be canceled without notice. Membership and eligibility requirements apply. Fees may reduce earnings. The initial deposit cannot exceed $5 million per member or $10 million per address. Advertised Annual Percentage Yield (APY) for 60-month CD is 4.00%, based on the assumption that the funds will remain in the certificate until maturity. Penalties may apply for withdrawal of funds before maturity. Contact employees for further information on fees and terms.

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 12, 2026
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
60 Month Jumbo Certificate
$0
4.00% ▲ 0.81% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.19%▲ 0.81% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 12, 2026
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
Jumbo Term Share Certificates - 5 Years
$0
4.00% ▲ 0.81% above Florida avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.19%▲ 0.81% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 12, 2026
BROWARD HEALTHCARE
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
60 Month Share/IRA Certificate
$1,000
4.00% ▲ 0.81% above Florida avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.19%▲ 0.81% above avgNationally 2.90%
Details

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

Rate History
1 change since Sep 27, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 27, 2026: 3.75% APYOct 10, 2026: 4.00% APYSep 27, 2026Oct 12, 2026
  • Oct 10, 20264.00%▲ from 3.75%
  • Sep 27, 20263.75%first recorded
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
Regular 60 Month Certificates
$1,000
3.98% ▲ 0.79% above Florida avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.19%▲ 0.79% above avgNationally 2.90%
Details

Minimum $1,000; Early Withdrawal Penalty: 180 days interest

Rate History
1 change since Sep 14, 2026 · 4.09% → 3.98% ▼ 0.11 pts · high 4.09% / low 3.98%
3.48%4.04%4.59%Sep 14, 2026: 4.09% APYOct 1, 2026: 3.98% APYSep 14, 2026Oct 12, 2026
  • Oct 1, 20263.98%▼ from 4.09%
  • Sep 14, 20264.09%first recorded
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

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

Top CD Rates from West Miami, Florida Institutions

Highest verified APYs available today, updated October 12, 2026

B Top 5 Bank Rates
City National Bank of Florida
24-month online CD
A 5.0 ★ TX: 7.12%
Min: $25,000
4.50%
Ocean Bank
6 Months CD
A+ 5.0 ★ TX: 3.23%
Min: $0
3.50%
Raymond James Bank
60 Month Certificate
A+ 5.0 ★ TX: 3.19%
Min: $2,000
5.20%
Popular Direct
60 Month Certificate
A+ 5.0 ★ TX: 2.12%
Min: $0
5.00%
Third Federal Savings and Loan
6 Month Bonus CD
A+ 5.0 ★ TX: 2.32%
Min: $500
4.75%
CU Top 5 Credit Union Rates
Platinum Federal Credit Union
12 Month Family Legacy Certificate Account
A+ 5.0 ★ TX: 1.89%
Min: $0
5.00%
Brightstar Credit Union
5-Year Certificate
A+ 5.0 ★ TX: 4.57%
Min: $500
5.00%
First Choice Credit Union West Palm Beach, FL
Jumbo 60 Month Certificates
A+ 5.0 ★ TX: 2.64%
Min: $0
4.75%
Kinecta Federal Credit Union
18-Month Promo Certificate
A+ 5.0 ★ TX: 3.82%
Min: $100,000
4.50%
Suncoast Credit Union
18 Month Jumbo Certificate
A 5.0 ★ TX: 6.26%
Min: $0
4.50%
Rates verified October 12, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
Powered byMonitorBankRates

West Miami, FL CD Rate Trends

Compare local West Miami, FL CD rate quotes against the statewide average

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

View Full Florida CD Trends
12-Month CD FL Avg
3.226%
▲ 0.034 vs 7 days ago

Florida 12-month CD rates rose 0.034 points over the past 7 days to 3.226% APY.

6-Month CD FL Avg
3.068%
▲ 0.019 vs 7 days ago

Florida 6-month CD rates rose 0.019 points over the past 7 days to 3.068% APY.

As of Oct 12, 2026 • Rate data sourced from 8,500+ monitored institutions

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
3.226%
6-Month Forecast
3.226%
Range: 3.03%, 3.38%
12-Month Forecast
3.476%
Range: 3.28%, 3.63%

Data inputs: The central forecast assumes the Federal Reserve holds the federal funds rate at its current level, with one 25 basis point increase priced into the later months, consistent with CME FedWatch and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the Florida average 12-month CD APY in our database.

Spread model: The Florida 12-month CD average currently trades 1.15% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (an additional Fed increase, deposit competition stays high). Lower bound subtracts 0.20% (the Fed stays on hold and competition eases).

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

Powered by MonitorBankRates

What Your Savings Earn at FL CD Rates Today

Annual interest earnings at today’s Florida average APYs. State average used where available; national average as fallback.

CD Term FL Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 2.069% $103.44 $206.87 $517.18 $1,034.35
6-Month CD 3.068% $153.41 $306.81 $767.03 $1,534.05
12-Month CD 3.226% $161.32 $322.64 $806.60 $1,613.20
18-Month CD 3.271% $163.55 $327.10 $817.75 $1,635.50
24-Month CD 3.152% $157.60 $315.20 $788.00 $1,576.00
36-Month CD 2.972% $148.60 $297.19 $742.98 $1,485.95
48-Month CD 2.954% $147.70 $295.40 $738.50 $1,477.00
60-Month CD 3.191% $159.55 $319.10 $797.75 $1,595.50
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 12, 2026.
Powered byMonitorBankRates

Sample CD Ladder for West Miami, Florida Savers

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

Build Your Ladder
Rung Term Deposit FL Avg APY Annual Earnings
1 3-Month CD $5,000 2.069% $103.44
2 6-Month CD $5,000 3.068% $153.41
3 12-Month CD $5,000 3.226% $161.32
4 24-Month CD $5,000 3.152% $157.60
5 36-Month CD $5,000 2.972% $148.60
Total ($25,000 invested) $25,000 2.897% blended $724.37/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.

Powered byMonitorBankRates
1,824
CD Rates
Tracked in West Miami, Florida
39 Banks 74 Credit Unions

About Our West Miami, Florida CD Rate Database

MonitorBankRates tracks 1,824 CD rates from 39 banks and 74 credit unions with locations in West Miami, 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: City National Bank of Florida offers a CD at 4.50% APY with a minimum deposit of $25,000. Use the rate table above to compare all current offers in West Miami, Florida.

How to Find the Best CD Rates in West Miami, Florida

What to compare when shopping for a CD in West Miami, Florida

To find the best APYs in West Miami, Florida, start with credit unions and online-only banks: West Miami, Florida has 74 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.

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

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

When a CD Makes Sense in West Miami, 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 West Miami, Florida: 113 institutions here report CD rates

Consider an Alternative If…

West Miami, Florida Financial Snapshot

Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024

Population 65+
17.3%
National avg: 17.3%
Median Individual Earnings
$35,328
National avg: $47,340
Poverty Rate
12.9%
National avg: 11.1%
Unemployment Rate
2.0%
National avg: 4.8%
CD Earnings on 10% of Salary
$114/yr
At FL 12-mo avg 3.226% APY

17.3% of residents are 65 or older, in line with the national average of 17.3%; a low unemployment rate of 2.0% reflects a strong local economy. At today’s FL 12-month CD average of 3.226%, saving 10% of the local median salary ($3,532/year) and putting it in a CD would earn an additional $114 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 West Miami, 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 West Miami, 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 West Miami, 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 West Miami, Florida as everywhere in the U.S.

Choosing a CD Term in West Miami, 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 West Miami, Florida savers easier access to their funds. For example, City National Bank of Florida is offering its 6-month online CD at 4.25% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, City National Bank of Florida is offering its 60-month online 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 West Miami, 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 West Miami, 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 West Miami, 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 West Miami, 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 West Miami, Florida

Most CDs carry a fixed rate that is locked for the entire term, protecting a West Miami, 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 West Miami, Florida

Are CD rates in West Miami, Florida FDIC insured?

Yes, most established banks in West Miami, 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 West Miami, 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 West Miami, 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 West Miami, 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 West Miami, Florida?

Here are recent top rates found for this area:
  • City National Bank of Florida: 4.50% APY (24-month online CD)
  • Ocean Bank: 3.50% APY (6 Months CD)
  • Raymond James Bank: 5.20% APY (60 Month Certificate)
  • Platinum Federal Credit Union: 5.00% APY (12 Month Family Legacy Certificate Account)
  • Brightstar Credit Union: 5.00% APY (5-Year Certificate)
  • Popular Direct: 5.00% APY (60 Month Certificate)
  • Third Federal Savings and Loan: 4.75% APY (6 Month Bonus CD)
  • Nicolet Bank: 4.75% APY (Relationship CD - 60 Month)
  • First Choice Credit Union West Palm Beach, FL: 4.75% APY (Jumbo 60 Month Certificates)
  • Kinecta Federal Credit Union: 4.50% APY (18-Month Promo Certificate)
Rates reflect recent verified offers available in West Miami, Florida. Last Updated: October 12, 2026

West Miami, 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 West Miami, 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.

Top West Miami, Florida CD Rates by Term

Verified October 12, 2026 · click a rate to use its term and APY
Highest verified APY per term available in West Miami, Florida. Averages shown use the Florida state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for West Miami, Florida

West Miami, Florida CD Calculator

At today’s FL top rate of 4.50% APY, a $10,000 deposit earns $450 in the first year. Enter your amount to see your exact return.

West Miami, Florida CD Ladder

FL CD rates currently range from 2.069% (3-month) to 2.972% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a West Miami, Florida CD at 4.50% 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 Savings

Florida’s average 12-month CD is 3.226% 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 West Miami, 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 West Miami, 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 West Miami, 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 12, 2026

West Miami, Florida Rates & Resources

$
West Miami, Florida Mortgage Rates
$
West Miami, Florida Refinance Rates
$
West Miami, Florida Home Equity Loan Rates
$
West Miami, Florida Savings Rates
$
West Miami, Florida Money Market Rates
$
West Miami, Florida Checking Rates
$
West Miami, Florida Auto Loan Rates
$
West Miami, Florida Personal Loan Rates
$
West Miami, Florida Homeowners Insurance
$
West Miami, Florida Car Insurance