MonitorBankRates

CD Rates in Florida

Last updated: February 2026
  1. Home
  2. Florida CD Rates
Reviewed by Brian McKay Brian McKay

CD Rates in Florida :

Search and compare Florida CD rates from banks and credit unions. Our CD interest rate tables for Florida include 3 month rates, 6 month rates, 12 month rates, 18 month rates, 24 month rates, 36 month rates, 48 month rates and 60 month rates. You can search for the best CD rates in Florida or by zip code. Once you have entered your search criteria a list of the highest Florida CD rates will be displayed. MonitorBankRates also offers a free CD calculator and CD ladder calculator you can use to calculate your certificate of deposit investment return. .

Florida Bank CD Rates

When comparing bank CD rates in Florida make sure to choose a Florida bank that has deposits insured by the Federal Deposit Insurance Corporation (FDIC). Deposits in Florida banks that are insured by the FDIC are guaranteed for up to $250,000 per depositor.This federal protection covers both your principal investment and any interest you have earned up to the limit, ensuring your savings remain safe even in the unlikely event of a bank failure.

Best CD Rates in Florida February 2026

Bank
Product
APY
Min Dep
Total Direct Bank
Total Direct Bank
1995 E Hallandale Beach Blvd
Hallandale, FL 33009
12-Month CD
4.00%
$25,000
Newtek Bank
Newtek Bank
1111 Brickell Ave Suite 135
Miami, FL 33131
12-Month CD
4.00%
$2,500
Axiom Bank
Axiom Bank
258 Southhall Ln
Maitland, FL 32751
12-Month CD
3.90%
$500
Self-Help Credit Union
Self-Help Credit Union
9580 Hutchinson Park Dr
Jacksonville, FL 32225
12-Month CD
3.82%
$500
Navy Federal Credit Union
Navy Federal Credit Union
955 W State Road 436
Altamonte Springs, FL 32714
12-Month CD
3.75%
$1,000
Beal Bank USA
Beal Bank USA
1200 W Yamato Rd Ste C6
Boca Raton, FL 33431
12-Month CD
3.75%
$1,000
BayFirst National Bank
BayFirst National Bank
700 Central Ave
Saint Petersburg, FL 33701
12-Month CD
3.75%
$1,000
Suncoast Credit Union
Suncoast Credit Union
6536 E Hillsborough Ave
Tampa, FL 33610
12-Month CD
3.70%
$500
Vystar Credit Union
Vystar Credit Union
7795 103rd St
Jacksonville, FL 32210
12-Month CD
3.70%
$500
Raymond James Bank
Raymond James Bank
710 Carillon Pkwy
Saint Petersburg, FL 33716
12-Month CD
3.65%
$1,000
EverBank
EverBank
501 Riverside Ave
Jacksonville, FL 32202
12-Month CD
3.50%
$1,000
Santander Bank
Santander Bank
1401 Brickell Ave
Miami, FL 33131
12-Month CD
3.50%
$500
ValleyDirect
ValleyDirect
301 E Las Olas Blvd
Fort Lauderdale, FL 33301
12-Month CD
3.40%
$500
Achieva Credit Union
Achieva Credit Union
3629 11th Ave N
Saint Petersburg, FL 33713
12-Month CD
3.40%
$500
HSBC Bank USA
HSBC Bank USA
2950 Aventura Blvd
Aventura, FL 33180
12-Month CD (Online)
3.35%
$1,000
Show More

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. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.



Florida Jumbo CD Rates

Jumbo CD rates in Florida are usually higher than standard Florida CD rates because they require a larger opening deposit.While regular CDs can often be opened with minimal funds, Florida jumbo certificates of deposit typically require a minimum opening balance of $100,000. Banks and credit unions in Florida and the surrounding area reward this larger commitment with premium cd rates that can significantly outperform standard savings or money market accounts. When opening these larger accounts, it is important to verify that your funds remain within FDIC or NCUA limits to ensure your principal is fully insured

Florida Credit Union CD Rates

When comparing Florida CD rates from credit unions make sure to choose a Florida credit union that has deposits insured by the National Credit Union Administration (NCUA).This federal protection covers both your principal investment and any interest you have earned up to the limit, ensuring your savings remain safe even in the unlikely event of a credit union failure.

Methodology & Data Sources

Local Rate Aggregation: MonitorBankRates tracks CD rates for Florida by aggregating data from local banks, local credit unions, and national online institutions. Our proprietary technology scans constantly to ensure you see the most competitive yields available in your area, including promotional offers from community institutions that may not be listed on national comparison sites.

Data Accuracy: The rates displayed for Florida reflect current market offers. We prioritize data from institutions that are FDIC or NCUA insured to ensure your deposits are safe, and we verify these figures against the institution's published deposit terms to maintain high reliability for savers in FL.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions in Florida. It is always advisable to check with the specific financial institution's official website for the most current offers and terms.

Florida Rates & Resources

$
Florida Savings Rates
$
Florida Mortgage Rates

Cities in Florida

Cities in Florida Alachua Alford Altamonte Springs Altha Altoona Alturas Alva Anna Maria Anthony Apalachicola Apollo Beach Apopka Arcadia Archer Argyle Aripeka Astatula Astor Atlantic Beach Auburndale Avon Park Babson Park Bagdad Baker Balm Barberville Bartow Bascom Bay Pines Bell Belle Glade Belleair Beach Belleview Beverly Hills Big Pine Key Blountstown Boca Grande Boca Raton Bokeelia Bonifay Bonita Springs Bostwick Bowling Green Boynton Beach Bradenton Bradenton Beach Bradley Brandon Branford Bristol Bronson Brooker Brooksville Bryant Bryceville Bunnell Bushnell Callahan Campbellton Canal Point Candler Cantonment Cape Canaveral Cape Coral Captiva Carrabelle Caryville Cassadaga Casselberry Cedar Key Center Hill Century Chattahoochee Chiefland Chipley Chokoloskee Christmas Citra Citrus Ridge Clarcona Clarksville Clearwater Clearwater Beach Clermont Clewiston Cocoa Cocoa Beach Coleman Copeland Cortez Cottondale Crawfordville Crescent City Crestview Cross City Crystal Beach Crystal River Crystal Springs Cypress Dade City Dania Davenport Day Daytona Beach De Leon Springs Debary Deerfield Beach Defuniak Springs Deland Delray Beach Deltona Destin Doctors Inlet Dover Dundee Dunedin Dunnellon Durant Eagle Lake Earleton East Palatka Eastlake Weir Eastpoint Eaton Park Ebro Edgewater Eglin AFB Elfers Elkton Ellenton Englewood Estero Eustis Everglades City Evinston Fairfield Fedhaven Felda Fellsmere Fernandina Beach Ferndale Flagler Beach Florahome Floral City Florida City Fort Lauderdale Fort McCoy Fort Meade Fort Myers Fort Myers Beach Fort Ogden Fort Pierce Fort Walton Beach Fort White Fountain Freeport Frostproof Fruitland Park Gainesville Geneva Georgetown Gibsonton Glen Saint Mary Glenwood Goldenrod Gonzalez Goodland Gotha Graceville Graham Grand Island Grand Ridge Grandin Grant Green Cove Springs Greensboro Greenville Greenwood Gretna Grove City Groveland Gulf Breeze Gulf Hammock Haines City Hallandale Hampton Harold Hastings Havana Hawthorne Heathrow Hernando Hialeah High Springs Highland City Highland Park Hilliard Hobe Sound Holder Holiday Hollister Hollywood Holmes Beach Holt Homeland Homestead Homosassa Homosassa Springs Horseshoe Beach Hosford Howey In The Hills Hudson Hunters Creek Hurlburt Field Immokalee Indialantic Indian Lake Estates Indian Rocks Beach Indiantown Inglis Intercession City Interlachen Inverness Islamorada Island Grove Istachatta Jacksonville Jacksonville Beach Jasper Jay Jennings Jensen Beach Jupiter Kathleen Kenansville Key Biscayne Key Colony Beach Key Largo Key West Keystone Heights Killarney Kinard Kissimmee La Crosse Labelle Lacoochee Lady Lake Lake Alfred Lake Butler Lake Butter Lake City Lake Como Lake Geneva Lake Hamilton Lake Harbor Lake Helen Lake Lucerne Lake Mary Lake Monroe Lake Panasoffkee Lake Placid Lake Wales Lake Worth Lakeland Lamont Lanark Village Land O Lakes Lantana Largo Laurel Laurel Hill Lawtey Lecanto Lee Leesburg Lehigh Acres Lithia Live Oak Lloyd Lochloosa Long Key Longboat Key Longwood Lorida Loughman Lowell Loxahatchee Lulu Lutz Lynn Haven Macclenny Madison Maitland Malabar Malone Manasota Mango Marathon Marathon Shores Marco Island Marianna Mary Esther Mascotte Mayo McAlpin McDavid McIntosh Melbourne Melbourne Beach Melrose Memphis Merritt Island Mexico Beach Miami Miami Beach Micanopy Miccosukee Cpo Mid Florida Middleburg Midway Milligan Milton Mims Minneola Miramar Beach Molino Monticello Montverde Moore Haven Morriston Mossy Head Mount Dora Mount Pleasant Mulberry Murdock Myakka City Myrtle Grove Nalcrest Naples Neptune Beach New Port Richey New Smyrna Beach Newberry Niceville Nichols Nobleton Nocatee Nokomis Noma North Fort Myers North Miami Beach North Palm Beach North Port O Brien Oak Hill Oakland Ocala Ochopee Ocklawaha Ocoee Odessa Okahumpka Okeechobee Old Town Oldsmar Olustee Ona Oneco Opa Locka Orange City Orange Lake Orange Park Orange Springs Orlando Ormond Beach Osprey Osteen Otter Creek Oviedo Oxford Ozona Pahokee Paisley Palatka Palm Bay Palm Beach Palm City Palm Coast Palm Harbor Palm River-Clair Mel Palm Valley Palmdale Palmetto Panacea Panama City Panama City Beach Parrish Patrick AFB Paxton Pembroke Pines Penney Farms Pensacola Perry Pierson Pine Island Ridge Pine Ridge Pineland Pinellas Park Pinetta Placida Plant City Plymouth Point Washington Polk City Pomona Park Pompano Beach Ponce De Leon Ponte Vedra Beach Port Charlotte Port Orange Port Richey Port Saint Joe Port Saint Lucie Port Salerno Port St. Lucie Punta Gorda Putnam Hall Quincy Raiford Reddick River Ranch Riverview Rockledge Roseland Rotonda West Ruskin Safety Harbor Saint Augustine Saint Cloud Saint James City Saint Leo Saint Marks Saint Petersburg Salem San Antonio San Mateo Sanderson Sanford Sanibel Santa Rosa Beach Sarasota Satellite Beach Satsuma Scottsmoor Sebastian Sebring Seffner Seminole Seville Shady Grove Shalimar Sharpes Silver Springs Sneads Sopchoppy Sorrento South Bay Sparr Spring Hill St. Augustine St. Leo Starke Steinhatchee Stuart Sugarloaf Shores Sumatra Summerfield Summerland Key Sumterville Sun City Sun City Center Sunnyside Suwannee Sydney Tallahassee Tallevast Tampa Tangerine Tarpon Springs Tavares Tavernier Telogia Terra Ceia The Villages Thonotosassa Titusville Trenton Trilby Umatilla Valparaiso Valrico Vanderbilt Beach Venice Venus Vernon Vero Beach Wabasso Wacissa Wakulla Springs Waldo Wauchula Wausau Waverly Webster Weirsdale Welaka Wellborn West Little River West Palm Beach Weston Westville Wewahitchka White Springs Wildwood Williston Wimauma Windermere Winter Beach Winter Garden Winter Haven Winter Park Winter Springs Woodville Worthington Springs Yalaha Yankeetown Youngstown Yulee Zellwood Zephyrhills Zolfo Springs
How to Find the Best CD in Florida
  1. Compare APYThe APY determines how much interest you will earn. Always look for the highest APY to maximize your earnings over the CD term.
  2. Check MinimumsSome high-yield CDs require a larger initial deposit (e.g. $1,000 or $5,000). Ensure you can meet these minimums.
  3. Review PenaltiesCDs lock your money for a set term. If you withdraw early, you may face penalties (often 3-6 months of interest).
  4. Verify InsuranceEnsure your money is safe. Banks should be FDIC insured, and Credit Unions should be NCUA insured up to $250,000.
Frequently Asked Questions for Florida
What are the current CD rates in Florida? ▼
Below is a list of the top current CD rates available for Florida:
Commerce Bank & Trust Winter Park, FL3.50% APY (6-Month CD)
Commerce Bank & Trust3.25% APY (18-Month CD)
Commerce Bank & Trust Winter Park, FL3.25% APY (12-Month CD)
Commerce Bank & Trust Winter Park, FL3.25% APY (18-Month CD)
Commerce Bank & Trust3.25% APY (12-Month CD)
First Bank Clewiston, FL3.04% APY (12-Month CD)
Commerce Bank & Trust3.00% APY (24-Month CD)
Commerce Bank & Trust Winter Park, FL3.00% APY (24-Month CD)
First Bank Clewiston, FL2.78% APY (36-Month CD)
Commerce Bank & Trust Winter Park, FL2.75% APY (36-Month CD)
Are CD rates fixed? ▼
Yes, typically CD rates are fixed for the entire term (e.g. 1 year, 5 years). This protects you if market rates drop, but means you won't benefit if rates rise.
Is my money safe in a CD? ▼
Yes, as long as the bank is FDIC insured or the credit union is NCUA insured, your deposit is protected up to $250,000.
Can I add money to a CD? ▼
Usually, no. Standard CDs require a one-time deposit at opening. To add more funds later, you would typically need to open a new CD.