Miami Beach, Florida CD Rates

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Miami Beach, Florida Bank CD Rates

When comparing bank CD rates in Miami Beach, FL make sure to choose a Miami Beach, FL bank that has deposits insured by the Federal Deposit Insurance Corporation (FDIC). Deposits in Miami Beach, FL banks that are insured by the FDIC are guaranteed for up to $250,000 per depositor.

Best CD Rates in Miami Beach, Florida November 13, 2025

• 24 Months

Bank

Product

APY

Min Dep

Total Direct Bank
300 71st St
Miami Beach, FL 33141

24-Month CD

4.00%

$25,000

TD Bank
350 Lincoln Rd
Miami Beach, FL 33139

24-Month CD

3.00%

$250

Citi
1824 Alton Rd Ste C
Miami Beach, FL 33139

24-Month CD

0.50%

$500

First Horizon
1501 Alton Rd
Miami Beach, FL 33139

24-Month CD

0.10%

$1,000

Bank of America
1414 Alton Rd
Miami Beach, FL 33139

24-Month CD

0.03%

$1,000

Regions Bank
1700 Alton Rd
Miami Beach, FL 33139

24-Month CD

0.01%

$500

1st Street Credit Union
1558 1st St
Sarasota, FL 34236

24-Month CD

4.06%

$1,000

Raymond James Bank
710 Carillon Pkwy
Saint Petersburg, FL 33716

24-Month CD

4.00%

$1,000

Newtek Bank
1111 Brickell Ave Suite 135
Miami, FL 33131

24-Month CD

3.90%

$2,500

Axiom Bank
258 Southhall Ln
Maitland, FL 32751

24-Month CD

3.75%

$500

Suncoast Credit Union
6801 E Hillsborough Ave
Tampa, FL 33610

24-Month CD

3.75%

$500

Vystar Credit Union
7795 103rd St
Jacksonville, FL 32210

24-Month CD

3.70%

$500

Self-Help Credit Union
9580 Hutchinson Park Dr
Jacksonville, FL 32225

24-Month CD

3.67%

$500

EverBank
501 Riverside Ave
Jacksonville, FL 32202

24-Month CD

3.65%

$1,000

Navy Federal Credit Union
955 W State Road 436
Altamonte Springs, FL 32714

24-Month CD

3.60%

$1,000

Beal Bank USA
1200 W Yamato Rd Ste C6
Boca Raton, FL 33431

24-Month CD

3.45%

$1,000

ValleyDirect
301 E Las Olas Blvd
Fort Lauderdale, FL 33301

24-Month CD

3.35%

$500

HSBC Bank USA
2950 Aventura Blvd
Aventura, FL 33180

24-Month CD (Online)

3.30%

$1,000

LMCU Lake Michigan Credit Union
24201 Walden Center Dr
Estero, FL 34134

24-Month CD

3.25%

$500

Pentagon Federal Credit Union
1199 N Eglin Pkwy
Shalimar, FL 32579

24-Month CD

3.10%

$1,000

Teachers Federal Credit Union
1510 N West Shore Blvd
Tampa, FL 33607

24-Month CD

3.00%

$500

Commerce Bank & Trust Winter Park, FL
1201 S Orlando Ave
Winter Park, FL 32789

24-Month CD

3.00%

$0

Achieva Credit Union
3629 11th Ave N
Saint Petersburg, FL 33713

24-Month CD

2.90%

$500

Addition Financial Credit Union
847 S Orange Blossom Trl
Apopka, FL 32703

24-Month CD

2.78%

$1,000

BayFirst National Bank
700 Central Ave
Saint Petersburg, FL 33701

24-Month CD

2.25%

$1,000

TrustCo Bank
7460 Cypress Gardens Blvd
Winter Haven, FL 33884

24-Month CD

1.50%

$500

Magnolia Bank Elizabethtown, KY
6100 Hollywood Blvd Ste 411
Hollywood, FL 33024

24-Month CD

0.60%

$500

The Huntington National Bank
8889 Pelican Bay Blvd
Naples, FL 34108

24-Month CD

0.50%

$1,000

FLC Bank
10151 Deerwood Park Blvd Bldg 100 Ste 200
Jacksonville, FL 32256

24-Month CD

0.35%

$2,000

OneUnited Bank
3275 Nw 79th St
Miami, FL 33147

24-Month CD

0.30%

$1,000

Century Bank of Florida
716 W Fletcher Ave
Tampa, FL 33612

24-Month CD

0.25%

$500

BankPlus
4881 Nw 8th Ave
Gainesville, FL 32605

24-Month CD

0.25%

$1,000

United Southern Bank
750 N Central Ave
Umatilla, FL 32784

24-Month CD

0.20%

$1,000

PNB Community Bank
1020 John Sims Pkwy E
Niceville, FL 32578

24-Month CD

0.15%

$1,000

Comerica
2401 Pga Blvd Ste 198
Palm Beach Gardens, FL 33410

24-Month CD

0.10%

$1

Busey Bank
7980 Summerlin Lakes Dr
Fort Myers, FL 33907

24-Month CD

0.05%

$1,000

First Citizens Bank
3055 Tamiami Trl N
Naples, FL 34103

24-Month CD

0.05%

$500

PNC Bank
200 E Broad St
Groveland, FL 34736

24-Month CD

0.02%

$1,000

Fifth Third Bank, N.A.
1027 Nebraska Ave
Palm Harbor, FL 34683

24-Month CD

0.01%

$500

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Miami Beach, Florida Jumbo CD Rates

Jumbo CD rates in Miami Beach, Florida are usually higher than regular Miami Beach, FL CD rates because the deposit amount is larger. Regular certificates of deposit can be opened with as little as $1 and jumbo certificates of deposit start out at a minimum of $100,000. Some Miami Beach, Florida banks and Miami Beach, Florida credit unions offer mini-jumbo certificates of deposit. Opening deposit amounts can be between $25,000 to $50,000 for a mini jumbo certificate.

Miami Beach, Florida Credit Union CD Rates

When comparing Miami Beach, FL CD rates from credit unions make sure to choose a Miami Beach, FL credit union that has deposits insured by the National Credit Union Administration (NCUA). Deposits in Miami Beach, FL credit unions that are insured by the NCUA are guaranteed for up to $250,000 per depositor.

Miami Beach FDIC Insured Banks

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