Image Courtesy: www.pixabay.com
Image Courtesy: www.pixabay.com
You are viewing rates from banks across Florida
Below are the best one-year CD Rates from banks in Florida. One-year CDs are usually the most popular term and offer a decent yield without having to lock-up money for an extended period of time. One year CD Rates are generally comparable to or a little higher than their savings and money market counterparts.
FL - July 15, 2025
1 Year CD National Average : 0.55% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
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5.25% |
$500 |
- |
Learn More
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Rate History: 4.75% → 5.25% |
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Molddave | Aug 30, 2023 Try to open account on line make you use PLAID to xfer money PLAID doesn't connect with many banks, Cannot do over phone. Discover, Penfed all ok this bank is useless. I had acct before still bad. Stay aw... Read More |
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5.25% |
$500 |
- |
Learn More
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Sara Jennings | Dec 26, 2021 SJennings Read More |
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5.00% |
$2,500 |
- |
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4.35% |
$25,000 |
- |
Learn More
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Warning: Early Withdrawal Penalty is 2% of the account balance. |
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Frank M | Jul 3, 2023 A 2% early withdrawal fee on a 1-year CD is almost equally insane as a 270 day one. Read More |
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4.25% |
$1,000 |
- |
Learn More
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Rate History: 5.00% → 4.86% → 4.95% → 4.55% → 4.25% |
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4.25% |
$2,500 |
- |
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Rate History: 4.55% → 4.25% |
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4.10% |
$1,000 |
- |
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Early Withdrawal Penalty is 180 days interest. |
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Rob H. | Nov 21, 2023 A real pain in the *** process to try and get approved! They were unable to match my drivers license photo with my live image after several times trying! Went to limelight bank instead and got approved in ... Read More |
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4.05% |
$1,000 |
- |
Learn More
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Rate History: 4.85% → 5.15% → 5.05% → 4.50% → 4.05% |
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george | Feb 9, 2021 The wonderful assistants at Beal Bank are wonderful. Rebeca took great care of me and made sure all my concerns were addressed. Read More |
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4.05% |
$5,000 |
- |
Learn More
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Rate History: 4.20% → 4.25% → 4.20% → 4.25% → 4.05% |
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4.00% |
$0 |
- |
Learn More
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Rate History: 5.00% → 4.50% → 4.20% → 4.10% → 4.00% |
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highstream | Jan 2, 2024 Like others, I've been with Capital One and its predecessor ING Direct since 2007. I've also been getting cheap bank rates on my savings account and didn't realize that there was something better, although... Read More |
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4.00% |
$500 |
- |
Learn More
|
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SadSack | Dec 2, 2022 No such limits as referred to by Jonathan. Perfectly Happy with service and keep adjusting the rate! Read More |
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4.00% |
$500 |
- |
Learn More
|
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Rate History: 4.50% → 4.25% → 4.00% |
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Maggie | May 11, 2023 They made mistakes twice and would not correct them Read More |
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4.00% |
$1,000 |
- |
Learn More
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Rate History: 5.00% → 4.60% → 4.20% → 4.35% → 4.00% |
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lrcbob | Jul 26, 2024 Multiple roadblocks trying to set up a savings account with Ivy Bank and my application was ultimately declined, in spite of my multiple CDs among three banks, stock investments, eleven credit cards, and c... Read More |
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4.00% |
$1,000 |
- |
Learn More
|
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Rate History: 5.30% → 5.10% → 5.30% → 4.25% → 4.00% |
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lrcbob | Jul 26, 2024 Multiple roadblocks trying to set up a savings account with Forbright and my application was ultimately declined, in spite of my multiple CDs among three banks, stock investments, eleven credit cards, and ... Read More |
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3.90% |
$1,000 |
- |
Learn More
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Rate History: 4.40% → 4.30% → 4.10% → 4.00% → 3.90% |
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john | Apr 14, 2020 I call HSBC they told me they don't have 1.85 1 year CD. current CD is 0.8 / year Read More |
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3.90% |
$2,500 |
- |
Learn More
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Rate History: 4.85% → 4.60% → 4.25% → 4.00% → 3.90% |
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james | Nov 18, 2023 bank delayed 1-2days to credit into your account, pay less interest. Read More |
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3.90% |
$500 |
- |
Learn More
|
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Rate History: 4.30% → 3.90% |
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JohnC | Oct 11, 2020 You probably thought - as did I - that you were looking at a site that belongs to and was the responsibility of Gateway First. After all it includes their headings, selected financial statements, many pag... Read More |
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3.82% |
$1,000 |
- |
Learn More
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3.82% |
$2,500 |
- |
Learn More
|
|
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Rate History: 4.50% → 4.29% → 4.15% → 4.08% → 3.82% |
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David Klemann Sr. | Dec 8, 2023 We have been banking with Citizen's First for 4 years. Their branches, service, website, and employee attitudes are and always have been excellent. Their branches are warmly personal with free buttered po... Read More |
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3.80% |
$1,000 |
- |
Learn More
|
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Early Withdrawal Penalty is 90 days interest. |
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Dkplan | Dec 27, 2022 They gave a hard time with their cashier's check. They returned my deposited check that was emitted by them. Could you believe? Read More |
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|
3.79% 0.30% |
$250,000 $1,000 |
- |
Learn More
|
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Rate History: 4.70% → 4.65% → 4.50% → 4.20% → 3.79% |
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NORTY FLATZ | Dec 3, 2019 Have done business with "Hope's" San Diego branch for a few years. Always courteous and helpful. Looking forward to doing business with them in the future. Read More |
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3.75% |
$1,000 |
- |
Learn More
|
|
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Rate History: 3.00% → 3.50% → 4.00% → 3.55% → 3.75% |
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Customer | Jul 28, 2022 Not at all happy with Truist compared to BB+T. New transaction policy makes them painfully slow. Paying .01 % interest on money market accounts, 13 week T Bill's are around $2.5%.I hope that they are enj... Read More |
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3.75% |
$500 |
- |
Learn More
|
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Rate History: 4.00% → 3.95% → 3.90% → 3.85% → 3.75% |
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Mark Fitzpatrick | Apr 4, 2016 I been with trustco for years and it is well run. They really are a home town bank. As a small business person i appreciate the business card stand they have in the branches for there customers. I was w... Read More |
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3.75% |
$1,000 |
- |
Learn More
|
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Rate History: 4.00% → 4.50% → 4.00% → 3.75% |
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3.54% |
$1,000 |
- |
Learn More
|
|
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Rate History: 3.85% → 3.64% → 3.54% |
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|
3.51% 0.05% |
$10,000 $10,001 |
- |
Learn More
|
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Rate History: 4.00% → 4.50% → 4.00% → 3.75% → 3.51% |
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Turonemckinney17@gmail.com | May 19, 2018 Experience Read More |
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3.50% |
$501 |
- |
Learn More
|
|
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Rate History: 4.25% → 4.00% → 3.75% → 3.50% |
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Maggie | May 11, 2023 They made mistakes twice and would not correct them Read More |
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3.50% |
$1,000 |
- |
Learn More
|
|
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Rate History: 4.80% → 3.00% → 3.25% → 3.75% → 3.50% |
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|
3.50% |
$5,000 |
- |
Learn More
|
|
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Rate History: 4.50% → 4.25% → 4.00% → 4.35% → 3.50% |
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Dana E. | Mar 20, 2016 Good solid bank. Read More |
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3.49% 0.01% |
$5,000 $500 |
- |
Learn More
|
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Rate History: 4.70% → 4.00% → 4.30% → 3.30% → 3.49% |
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Juan Ricardo | Nov 12, 2018 Helpful w/$ Read More |
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3.35% |
$1,000 |
- |
Learn More
|
|
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Rate History: 3.75% → 4.50% → 4.00% → 3.50% → 3.35% |
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Claire blankinship | Aug 5, 2020 I used to go to M&T when it was still Provident Bank. M&T has been very responsive to my needs and I have been pleased with the banking experience. Read More |
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3.25% |
$100,000 |
- |
Learn More
|
|
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Rate History: 3.75% → 4.25% → 3.75% → 3.51% → 3.25% |
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Treasure | Jul 24, 2023 BOFA is a den of people thieves camouflaged as bank operatives. There’s a soon to be uncovered carrel of money laundry there. They took all my money and don’t want to release it to me for no particular... Read More |
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|
3.00% |
$0 |
- |
Learn More
|
|
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Rate History: 2.75% → 2.00% → 4.00% → 2.50% → 3.00% |
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Azoic | Feb 25, 2022 I joined Citi with a Costco-VISA card. An Accelerate followed, and then a checking account. Costco-VISA is necessary for using a credit card at Costco, otherwise cash is necessary. Accelerate Savings w... Read More |
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3.00% |
$500 |
- |
Learn More
|
|
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Rate History: 1.50% → 3.00% |
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|
3.00% 0.10% |
$2,500 $1 |
- |
Learn More
|
|
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Rate History: 4.25% → 3.00% |
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Cory,Baldwin | Oct 18, 2016 IF the Cd's our that high then way i'm i the last to find out what The apys are. Read More |
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2.50% |
$500 |
- |
Learn More
|
|
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Rate History: 3.00% → 2.75% → 2.50% → 4.25% → 2.50% |
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Jabbroadway42 | Nov 17, 2020 Is notarie services available today at a woodforest on wilkinson blvd Read More |
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2.50% |
$500 |
- |
Learn More
|
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2.48% |
$10,000 |
- |
Learn More
|
|
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Rate History: 3.04% → 2.48% |
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2.05% |
$1,000 |
- |
Learn More
|
|
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Rate History: 4.85% → 4.40% → 4.25% → 3.00% → 2.05% |
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RYAN S | Nov 28, 2022 While USAA was at one point a great option for all your banking needs, the service has deteriorated so much that I'm currently in the process of changing banks after more than 2 decades. The final straw w... Read More |
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2.00% |
$10,000 |
- |
Learn More
|
|
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Rate History: 2.00% → 3.50% → 3.25% → 3.00% → 2.00% |
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Hayley7788d@outlook.com | Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More |
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2.00% |
$25,000 |
- |
Learn More
|
|
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Rate History: 2.00% → 1.50% → 3.25% → 2.00% |
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Thy King | Feb 6, 2023 after over 100k in transactions through this bank in the course of a year not only did i suffer from fraud but this bank closed my accounts and i have been lliable for all the losses and to top it off with... Read More |
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1.25% |
$1,000 |
- |
Learn More
|
|
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Rate History: 2.00% → 4.65% → 2.00% → 1.50% → 1.25% |
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Beenthere | Jan 29, 2024 Tried to enter information on line to open a 5 year CD, multiple time and wasn't accepted. Talked to a live person who was of no help at all. My credit score is over 800 and I have plenty of money in oth... Read More |
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1.25% |
$500 |
- |
Learn More
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0.95% |
$100,000 |
- |
Learn More
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0.82% |
$10,000 |
- |
Learn More
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0.75% |
$10,000 |
- |
Learn More
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0.75% |
$1,000 |
- |
Learn More
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nino | Nov 11, 2021 nino Read More |
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0.75% |
$10,000 |
- |
Learn More
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0.71% |
$10,000 |
- |
Learn More
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0.65% |
$10,000 |
- |
Learn More
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0.65% |
$10,000 |
- |
Learn More
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0.60% |
$10,000 |
- |
Learn More
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0.60% |
$10,000 |
- |
Learn More
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Fran1 | Feb 4, 2020 Academy was great helping me open a new account Read More |
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0.60% |
$1 |
- |
Learn More
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FloridaDoug | Aug 5, 2020 They can open a CD only if you are a local or already have an account. Otherwise they will send you an application which you can fill out and send back. If you call and get a message it says "No one is ava... Read More |
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0.60% |
$10,000 |
- |
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0.60% |
$10,000 |
- |
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0.60% |
$10,000 |
- |
Learn More
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wlsjacobson | Jul 31, 2017 Outstanding bank, management and client service. Well run and financially very strong Read More |
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0.60% |
$10,000 |
- |
Learn More
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0.56% |
$10,000 |
- |
Learn More
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Chang | Aug 19, 2021 Best Service! Read More |
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0.55% |
$10,000 |
- |
Learn More
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0.55% |
$100,000 |
- |
Learn More
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0.50% |
$10,000 |
- |
Learn More
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0.50% |
$10,000 |
- |
Learn More
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0.50% |
$10,000 |
- |
Learn More
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0.50% |
$10,000 |
- |
Learn More
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melissaowens | Apr 1, 2022 This bank is the absolute worst along with [name redacted] and [name redacted]. Their communication is horrible, they lie and are negligent. They told me I was approved for a commercial loan so I moved for... Read More |
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0.50% |
$1,000 |
- |
Learn More
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0.50% |
$10,000 |
- |
Learn More
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0.50% |
$10,000 |
- |
Learn More
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0.50% |
$10,000 |
- |
Learn More
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Mark2 | Oct 2, 2020 O stars! Horrible bank Read More |
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0.45% |
$10,000 |
- |
Learn More
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0.45% |
$100,000 |
- |
Learn More
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0.45% |
$500 |
- |
Learn More
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0.45% |
$10,000 |
- |
Learn More
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0.40% |
$500 |
- |
Learn More
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Justice | Jul 22, 2021 This is a criminal lender and the worst bank. They merged with CenterState Bank.. They have made our lives miserable with a wrongful, fraudulent foreclosure. We will be starting a Website with all of the ... Read More |
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0.40% |
$100,000 |
- |
Learn More
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0.40% |
$10,000 |
- |
Learn More
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jpchamorro | Apr 5, 2020 great Read More |
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0.40% |
$10,000 |
- |
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0.40% |
$10,000 |
- |
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0.40% |
$10,000 |
- |
Learn More
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0.40% |
$10,000 |
- |
Learn More
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Chadpatt | Jun 14, 2021 I have banked with Midsouth for 4 years. I deposited a check that was for $6,000. I explained at the time of the deposit that I needed the mo ur available for my sons surgery that was in a few days. They t... Read More |
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0.40% |
$10,000 |
- |
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0.35% |
$10,000 |
- |
Learn More
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0.35% |
$1,000 |
- |
Learn More
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0.35% |
$10,000 |
- |
Learn More
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0.33% |
$1,000 |
- |
Learn More
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thedon | Mar 29, 2020 have been waiting 8 weeks - yes 8 weeks for a closing date from this bank ..... they keep giving flimsy excuses requesting insignificant and unnecessary paperwork from us ( the seller ) the buyers who know... Read More |
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0.30% |
$10,000 |
- |
Learn More
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0.30% |
$1,000 |
- |
Learn More
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0.30% |
$10,000 |
- |
Learn More
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0.30% |
$10,000 |
- |
Learn More
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BENNIE BROOKS | Mar 25, 2015 OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More |
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0.30% |
$10,000 |
- |
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0.25% |
$10,000 |
- |
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0.25% |
$10,000 |
- |
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0.25% |
$10,000 |
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0.25% |
$10,000 |
- |
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0.25% |
$10,000 |
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danioly24@icloud.com | Jul 31, 2016 This Danny Burgess from Dalton. Ha. 30720 I am nominee next to kin. To Mrs. Endriani pipper and beneficidery. With your bank I want know. If you have received. The letter of funds release sent to ... Read More |
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0.25% |
$100,000 |
- |
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0.25% |
$10,000 |
- |
Learn More
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0.25% |
$500 |
- |
Learn More
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0.25% |
$100,000 |
- |
Learn More
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0.25% |
$10,000 |
- |
Learn More
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rand | Mar 25, 2019 CDs shown are not offered in Knoxville area Read More |
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0.25% |
$10,000 |
- |
Learn More
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trbf15 | Nov 4, 2020 Transfer cds to checking. Trustmark Madison ok, Not, 6 figures deposit lost for 6 days they say due to scanner error. Then when we go to branch office mgr. all huffy tht error upset because of their mist... Read More |
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0.24% |
$100,000 |
- |
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0.20% |
$1,000 |
- |
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0.20% |
$10,000 |
- |
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0.20% |
$10,000 |
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0.20% |
$10,000 |
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COLETTE B | May 30, 2022 I HAVE TO AGREE WITH THE OTHER REVIEWERS. THIS BANK HAS THE WORST CUSTOMER SERVICE OF ALL TIME. I HAD NO CHOICE BUT TO GO HERE... IF THERE'S ANY WAY YOU CAN AVOID, IT IS HIGHLY RECOMMENDED. LET ME GIVE ... Read More |
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0.20% |
$10,000 |
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0.20% |
$10,000 |
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0.20% |
$10,000 |
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Asj | Nov 15, 2020 Do they? Read More |
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0.15% |
$10,000 |
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0.15% |
$10,000 |
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0.15% |
$10,000 |
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0.15% |
$10,000 |
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0.14% |
$10,000 |
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0.12% |
$1,000 |
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HB | Sep 12, 2023 Can not cash a check at the branch on Chenal, because I did not have an appointment for the lobby. Could not use the Window service, it closes at 2pm on a Friday. I have a business account and am finding... Read More |
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0.10% |
$100 |
- |
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william | Apr 10, 2022 these are the absolute worst rates in history--a 5 year old could see that--either wake up or close your doors to legitimate customers! Read More |
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0.10% |
$10,000 |
- |
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0.10% |
$10,000 |
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Scrappy | Mar 10, 2021 HORRIBLE !!!! JUST RUN AS FAST AS YOU CAN AWAY FROM THIS BANK..Save yourself the hassle of dealing with them. Read More |
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0.10% |
$1,000 |
- |
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D R Lineberger | Dec 30, 2018 Garden14 Read More |
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0.10% |
$10,000 |
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0.10% |
$10,000 |
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Asj | Nov 15, 2020 Do they? Read More |
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0.10% |
$10,000 |
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Jason Wach | Aug 22, 2019 Despite a perfect payment record of their Line of Credit during Four Years, Seacoast Bank arbitrarily sent a demand letter threatening legal action if I do not pay $ 39,000 immediately. The only option off... Read More |
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0.05% |
$1,000 |
- |
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0.05% |
$2,500 |
- |
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Seeko | Mar 28, 2023 On line banking gives a confirmation number when paying bills. But it doesn’t confirm that the bill will be paid only that they have the information. Ridiculous. Read More |
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0.05% |
$500 |
- |
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Ugg | Jun 12, 2023 US Bank reported me to dult Protective Services because my husband is 85 and I am63. He got sick and went into a nursing hime for 3 months. My husband always handled the financial affairs. I had to take ov... Read More |
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0.03% 0.01% |
$2,501 $2,500 |
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0.03% |
$25,000 |
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GAM | May 18, 2019 Had checking and savings for years when living in Philly. Went into PNC 2.35 APY high yield savings. They have thus far maintained rate. Easy web site and great customer phone service. Still maintain check... Read More |
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0.01% |
$500 |
- |
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MrBond | Feb 25, 2023 I have been working for this company more than 5 years. I would not recommend any investment with First Citizens Bank. They are the worst performer on the market based on the customer and employee reviews... Read More |
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A certificate of deposit (CD) is a savings product offered by a bank in which a depositor (someone who has money to put into the bank) agrees to commit a certain amount of money for a set period of time, in return for a fixed rate of interest. While it is possible to withdraw the money earlier (breaking the CD) doing so comes with high interest penalties and is generally not advised.
The time period in which money is held in a certificate of deposit is called the term. Terms can run for any period of time but in general, banks use the following terms: 3 months, 6 months, 12 months, 18 months, 24 months, 36 months, 48 months, and 60 months. Terms can either be described in months or years. The term that is right for each individual depends on their goals, the rate they which to earn, and their future plans for the money. In general, if rates are going up, savers should avoid putting the money into a long-term CD. If rates are going down, then the opposite is true, and savers should try and lock into a good rate for an extended period of time. In stable rate environments, CDs that are over 12 months in length can enable depositors to pick up a slight premium over savings accounts.
Almost all banks provide CDs to their consumers and they have been a mainstay of savers and retirement accounts for years. If FDIC insured, the CD represents a safe place to put money that will generate a predictable return.
Inflation is the main risk of a CD. Inflation can often run higher than the inflation adjusted return on a CD, thus eroding the value of the money stored in the CD over time. This is especially true for longer-term CDs opened in low interest rate environments.
The method of distributing the interest earned on a CD varies by bank. Some banks pay interest monthly, other semi-annually, and others at the maturity of the CD. One advantage of a branch-based bank is that a depositor can walk into the bank and receive their interest that day in the form of a check. Online banks tend to use electronic funds transfer or check via mail.
Since the financial crisis in 2008, CDs have become less popular because the yields they offer have dropped precipitously, making it difficult for retirees and savers to generate sufficient income. But investors looking for a place to stash some cash might still find CDs an attractive place for some of their savings. Online banks generally offer better rates on six month CDs but the accounts must be opened online. View online bank rates.
When interest rates are falling, it is often preferable to lock in high rates for an extended period of time with a longer-term CD. When interest rates are rising, depositors should avoid committing their money for long periods of time. To see interest rate trends, visit the BestCashCow rate analysis page.
All banks listed on BestCashCow are FDIC insured; BestCashCow.com strongly recommends that you stay within FDIC insurance limits and that if you are unsure of how the limits affect you, please visit the FDIC website.
To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.
Find out how much extra money you can earn by moving your bank money into an account that pays more.
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