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Florida Highest 12 Month CD Interest Rates

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The current national average 12 month CD rate is 0.77 percent. You can find CD rates higher than the current national average rates. We have compiled a list of the highest and lowest 12 month certificate of deposit rates in the state of Florida. The highest 12 month rate on our table is 1.47 percent, almost double the national average. The lowest 12 month CD rate on our list is 0.15 percent, well below the national average rate.

The highest CD interest rate on our list in Florida is from Bank of Internet. The bank's current 12 month CD rate is 1.47 percent with a CD yield of 1.48 percent. The minimum opening deposit is $1,000.



Tied for the second best CD rate on our Florida list of 12 month rates is Giantbank.com and Sallie Mae Bank. Both bank's current 12 month bank CD rate is 1.39 percent with a CD yield of 1.40 percent. The minimum opening deposit is $2,500 at GiantBank.com and $1 at Sallie Mae.

Discover Bank and Nationwide Bank are tied with the third highest CD rate. Both banks are offering 1 year CD rates at 1.34 percent with a CD yield of 1.35 percent. Nationwide Bank has a minimum opening CD deposit of $10,000 and Discover Bank's minimum is $2,500.

The lowest CD rate on our list is from Regions Bank and Wachovia Bank. Both banks are offering 1 year CD rates 0.15 percent with an CD yield of 0.15 percent. Chase bank is next with a CD rate and CD yield of .20 percent. Suntrust Bank is third on the list with a CD rate and CD yield of 0.30 percent.

Highest 12 Month CD Rates in Florida



  • Bank of Internet USA 1.48% APY Min $1000 

  • Giantbank.com 1.40% APY Min $2500 

  • Sallie Mae 1.40% APY Min $ 1 

  • Nationwide Bank 1.35% APY Min $10,000 

  • Discover Bank 1.35% APY Min $2500 

  • Ally Bank 1.34% APY Min $ 1 

  • American Express Bank FSB 1.30% APY Min $ 0 

  • Pentagon Federal Credit Union 1.26% APY Min $1000

  • PenFed 1.26% APY Min $1000 

  • ING DIRECT 1.25% APY Min $ 1 

  • AIG Bank 1.20% APY Min $2500 

  • Tennessee Commerce Bank 1.15% APY Min $2500 

  • EverBank 1.10% APY Min $1500 12 mo

  • First Internet Bank of IN 1.00% APY Min $1000


Lowest 12 Month CD Rates in Florida



  • Wachovia Bank 0.15% APY Min $10,000

  • Regions Bank 0.15% APY Min $1000

  • Chase 0.20% APY Min $10,000

  • SunTrust Bank 0.30% APY Min $10,000

  • Zions Bank 0.35% APY Min $1000

  • Bank of America 0.45% APY Min $10,000

  • Capital One Direct Banking 0.50% APY Min $5000

  • Citibank 0.55% APY Min $10,000

  • AmTrust Bank/Ohio Savings 0.55% APY Min $10,000

  • Coastline FCU 0.60% APY Min $1000

  • Allstate Bank 0.70% APY Min $1000

  • HSBC Advance 0.70% APY Min $1000

  • BankDirect 0.75% APY Min $10,000

  • E-LOAN.com 0.85% APY Min $10,000

  • Third Federal 0.90% APY Min $500

  • Ameriprise Bank FSB 0.95% APY Min $10,000

  • Flagstar Bank 0.95% APY Min $500 

 
Author: Brian McKay
October 24th, 2010