Best 18-Month CD Rates in Florida, FL

You are viewing rates from banks across Florida

Below are eighteen-month Certificates of Deposit (CD) rates from banks in Florida . Eighteen Month CDs offer a bit more yield than 1-year CDs but require a longer time-commitment. Like any CD, you should consider the trade-off between the difference in yield and the required time commitment. If an 18 month CD pays significantly above the yield of a 12-month CD, it may be worth opening.

FL - August 4, 2025

18 Month CD National Average : 0.58% ^?

Banks	APY	MIN	MILES ^?
My e-Banc, a division of Bradesco BAC Florida Bank	4.30% 4.10%	$50,000 $5,000	-	Learn More Add Review
Rate History: 5.10% → 4.60% → 4.40% → 4.35% → 4.30%
Matty H \| Sep 22, 2023 Terrible bank. Terrible service. Not equipped to service customers outside Florida. Plays games with your taxes by issuing 1090s whenever. Really shouldn't be on this list or your radar. Avoid. Read More
Prime Alliance Bank	4.20%	$500	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 4.50% → 4.25% → 4.15% → 4.00% → 4.20%
JBaker65 \| May 6, 2023 Fully functional bank account that would be great for my needs, but the quarterly interest payment thing is a real nuisance. I wish they would change it. It isn't market. Read More Reviews (10)
Newtek Bank, National Association	4.20%	$2,500	-	Learn More Add Review
Rate History: 5.55% → 5.00% → 4.35% → 4.20%
Bank5 Connect	4.15%	$500	-	Learn More Add Review
Available in all states except MA/RI.
BW \| Jul 17, 2021 I've been with this bank for 6 months and have not had any problems. Bill pay works good. The 24 month investing CD is another vechile I use. Rates are above average considering the national rate. I'd reco... Read More
Merrick Bank	4.15%	$25,000	-	Learn More
Warning: Early Withdrawal Penalty is 2% of the account balance. Rate History: 4.20% → 4.15% → 4.05% → 4.20% → 4.15%
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 Reviews (2)
Finworth, a division of InsBank Gulfport Boulevard Branch	4.15%	$50,000	-	Learn More Add Review
Early Withdrawal Penalty is 8 months interest. Rate History: 3.75% → 3.85% → 4.30% → 4.20% → 4.15%
Geoffrey Christopher 1 \| Nov 12, 2023 Finworth looks legit, but their online disclosures and incomplete and you cannot reach them by phone and they don't respond to inquiries. I am moving along and you should too. Read More
Valley Direct, a division of Valley National Bank	4.15%	$500	-	Learn More Add Review
AEM \| Sep 18, 2023 I agree with another user, this bank is very poorly put together, and may very well be an operation in large part used to extract and sell people's personal information. I called customer service and had ... Read More
Popular Direct	4.10%	$10,000	-	Learn More Add Review
Early Withdrawal Penalty is 270 days interest. Rate History: 4.10% → 4.15% → 4.10% → 4.00% → 4.10%
Neil \| Dec 18, 2023 I submitted a CD application 18 months 5.50 APY over a week ago and my application was declined no reason was given, I have the funds in another bank for transfer, credit score over 800. I think the reason... Read More
Charles Schwab Bank, SSB	4.10%	$1,000	-	Learn More
Rate History: 4.25% → 4.30% → 4.35% → 4.25% → 4.10%
kenbeckyreese@icloud.com \| Feb 12, 2020 WILL YOU CASH MY EE SAVINGS BONDS? PLEASE ADVSE. Read More Reviews (5)
M.Y. Safra Bank	4.05%	$500	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 5.20% → 3.00% → 4.85%
Richard \| Jul 1, 2022 Very easy opening process and wonderful staff. Read More Reviews (6)
Raymond James Bank Raymond James Bank, National Association Branch	4.05%	$5,000	-	Learn More Add Review
Rate History: 4.20% → 4.10% → 4.00% → 4.10% → 4.05%
Transportation Alliance Bank, Inc. d/b/a TAB Bank	4.05%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.85% → 4.40% → 3.95% → 4.16% → 4.05%
Yat 1965 \| Mar 19, 2022 Problem with ties to puppy mills. I closed a cct. https://www.americanbanker.com/news/tab-bank-dragged-into-seedy-world-of-puppy-mill-loans-by-fintech-partner Read More Reviews (8)
Colorado Federal Savings Bank	4.05%	$5,000	-	Learn More Add Review
Early Withdrawal Penalty is 6 months Interest. Rate History: 4.75% → 4.45% → 4.05% → 3.95% → 4.05%
jp2 \| Jul 1, 2022 not really an onllne bank. compare this interface that gives you no information with that of any other bank (I cannot even confirm the rate). cannot switch in and out of cds or np cds. just not an online b... Read More
Rising Bank, a division of Midwest BankCentre	4.05%	$5,000	-	Learn More Add Review
One-time bump CD. Early Withdrawal Penalty is 180 days interest. Rate History: 3.90% → 4.15% → 3.95% → 4.20% → 4.05%
Az1 \| Aug 26, 2022 Too slow to raise rates. Read More
Goldman Sachs Bank	4.00%	$500	-	Learn More Add Review
Rate History: 4.10% → 4.00% → 3.90% → 4.10% → 4.00%
A Terkowitz \| Feb 15, 2024 best bank on the list but no longer the most competitive Read More
Limelight Bank, A division of Capital Community Bank	4.00%	$1,000	-	Learn More Add Review
Early Withdrawal Penalty is 90 days interest. Rate History: 4.50% → 4.25% → 4.15% → 4.05% → 4.00%
Savvysaver \| Jun 26, 2020 Rate not current Read More
CFG Bank	4.00%	$500	-	Learn More Add Review
Early Withdrawal penalty is 180 days interest. Rate History: 3.85% → 4.10% → 4.00% → 3.75% → 4.00%
TJK \| Sep 30, 2023 CFG overs very competitive Interest rates on their High Yield Savings account. I did everything ONLINE and have not had any issues with their service. Read More
PNB Community Bank Freeport Branch	4.00%	$1,000	-	Learn More Add Review
Rate History: 4.85% → 4.50% → 4.75% → 4.50% → 4.00%
Bask Bank, a division of Texas Capital Bank	4.00%	$1,000	-	Learn More Add Review
Early Withdrawal Penalty is 180 days interest. Rate History: 4.75% → 4.20% → 4.00% → 3.90% → 4.00%
smithy1968 \| Apr 20, 2024 Save your tears for another day. Very frustrating. 1-star. Read More
First Internet Bank of Indiana	3.90%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days. Rate History: 4.72% → 4.57% → 4.15% → 4.00% → 3.90%
Beenthere \| Jan 30, 2024 Have an IRA rollover, they don't take IRAs any longer. Read More Reviews (2)
Virtualbank, a division of First Horizon Bank	3.87%	$10,000	-	Learn More Add Review
Warning: Early withdrawal penalty is 2% of principal
Hello VirtualBank? \| Dec 22, 2018 I know VirtualBank has monitored these comments in the past and answered here. This is important because they do not respond to questions submitted through the website. I am trying to find out the pena... Read More
American Express Bank, FSB	3.85%	$0	-	Learn More Add Review
Rate History: 3.25% → 3.35% → 3.85%
Chris \| Aug 31, 2022 never had a problem moving money in/out. After trying a couple banks with higher rates but less service will be moving my money back here. Read More
Discover Bank	3.80%	$2,500	-	Learn More Add Review
Rate History: 4.50% → 4.40% → 3.80% → 4.00% → 3.80%
AVOID_ READ_CAREFULLY \| Jan 10, 2024 AVOID at all costs. We read the addendum to the final page of the LENGTHY account agreement mailed to us after completing the online portion. Guess what? It gives this sweet seeming Discover Bank access to... Read More
Sallie Mae Bank	3.80%	$2,500	-	Learn More
Earty Withdrawal Penalty is 180 days interest. Rate History: 4.75% → 4.50% → 4.35% → 3.85% → 3.80%
HAL1975 \| Aug 2, 2023 Sallie mae is just a horrible institution. We've done business with them before and swore on the holy bible not to go near there again, but a 18 mos cd at 5.55% brought us back. Read More Reviews (40)
Synchrony Bank Berryhill Road Branch	3.80%	$0	-	Learn More Add Review
Rate History: 5.25% → 4.50% → 4.25% → 4.10% → 3.80%
mcriss \| Oct 23, 2023 Synchrony Bank recently closed 3 of my accounts with them and this decision was completely unwarranted. I had two Guitar Center cards and one Levin Furniture card. I found out about this through a push not... Read More
Vio Bank, A Division of MidFirst Bank	3.80%	$500	-	Learn More Add Review
Rate History: 4.00% → 3.95% → 4.00% → 3.95% → 3.80%
Jim S \| Dec 21, 2023 Very easy to setup 6 month 5.35% CD from cornerstone account Read More
Bread Savings, a division of Bread Financial	3.80%	$1,500	-	Learn More Add Review
m abram \| Jul 4, 2025 Bread's current 6-month CD is 4.45%, not 4.35%. Read More
Banesco USA Doral Boulevard Branch	3.80%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.30% → 4.20% → 3.90% → 4.25% → 3.80%
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 Reviews (8)
Canadian Imperial Bank USA	3.76%	$1,000	-	Learn More Add Review
Rate History: 5.17% → 5.26% → 4.90% → 4.47% → 3.76%
ytr0171 \| Jul 23, 2023 easy to work with but the rate isn't competitive. not even the leading savings rate banks are competitive versus short us treasuries. Read More
Beal Bank USA Tampa Branch	3.75%	$1,000	-	Learn More
Rate History: 4.35% → 4.25% → 4.20% → 3.75%
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 Reviews (3)
Loyal Trust Bank	3.75%	$1,000	-	Learn More Add Review
Citibank, National Association Boca Mizner Branch	3.75%	$0	-	Learn More
Rate History: 3.75% → 2.45% → 3.85% → 4.00% → 3.75%
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 Reviews (11)
Ally Bank	3.70%	$0	-	Learn More Add Review
Rate History: 4.25% → 4.10% → 3.90% → 3.80% → 3.70%
Rad \| Aug 13, 2023 Been a customer for a couple of years now with interesting checking, been a happy customer. They give you a $10 reimbursement on atm fees per statement cycle. They pay you to leave your money there curre... Read More
Capital One 360	3.70%	$0	-	Learn More Add Review
Early Withdrawal Penalty is 6 months interest. Rate History: 4.45% → 4.25% → 3.90% → 3.80% → 3.70%
NS123 \| Mar 15, 2023 Thank you for the reviews above. I was wondering why I was only getting 0.3% when interest rates have gone up. Why CapitalOne360 is putting loyal and long time customers at a disadvantage is beyond me. ... Read More
Gateway First Bank	3.70%	$500	-	Learn More
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 Reviews (3)
Capital One, National Association	3.70%	$0	-	Learn More
Rate History: 4.45% → 4.25% → 3.90% → 3.80% → 3.70%
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 Reviews (14)
TIAA Bank / Everbank	3.60%	$1,000	-	Learn More Add Review
Rate History: 4.30% → 4.00% → 3.75% → 3.70% → 3.60%
smithy1968 \| Mar 20, 2025 A non-customer-friendly organization that just switches between two contaminated brands trying to bring back some sort of goodwill that it had before it started selling fake foreign currency CDs in 2006 an... Read More
Bank of Hope	3.60% 0.30%	$250,000 $1,000	-	Learn More
Rate History: 3.95% → 4.10% → 3.80% → 3.79% → 3.60%
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 Reviews (1)
Salem Five Direct	3.50% 2.95%	$10,000 $500	-	Learn More Add Review
Warning: Early withdrawal penalty is 4% of principal withdrawn. Rate History: 5.00% → 4.50% → 4.25% → 4.00% → 3.50%
LarryMass \| Dec 8, 2020 Everyone here in Boston raves about Salem Five but it is shithole operation filled with nasty entitled people. As for this online savings product, the fees are ridiculous, the transfer charges are obnoxiou... Read More
Northern Bank Direct	3.50%	$500	-	Learn More Add Review
Warning: Early Withdrawal Penalty is 12 months of interest Rate History: 0.55% → 4.50% → 4.75% → 3.75% → 3.50%
Mike Brown \| Jul 6, 2023 This is an example of a bad bank. Their online process for purchasing a CD is horrible. You fill it out and it rejects it after all of your private information is disclosed. They there customer service is ... Read More
LendingClub	3.50%	$2,500	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.90% → 4.75% → 4.40% → 3.75% → 3.50%
overdrawn \| Nov 12, 2022 I was shopping for deposit rates in August, and NerdWallet, a site I had previously trusted, had it on their list. I was unaware they took deposits. They are the only bank that ever duplicated a transactio... Read More Reviews (21)
Wells Fargo Bank, National Association Reitz Union Branch	3.50%	$5,000	-	Learn More
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 Reviews (7)
MainStreet Bank	3.25%	$500	-	Learn More Add Review
Early Withdrawal Penalty is 9 months interest. Rate History: 3.25% → 3.00% → 3.25%
IncredibleBank	3.03%	$1,000	-	Learn More Add Review
• $1,000 minimum deposit to open an account. • A penalty may be imposed for early withdrawal. • Account fees may reduce your earnings. Rate History: 0.25% → 0.15% → 3.82% → 3.03%
nonsense \| May 21, 2021 avoid this Read More
Barclays Bank Delaware	3.00%	$0	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 5.00% → 4.50% → 4.25% → 3.25% → 3.00%
LenaL \| May 2, 2022 Barclays is the worst. Transfer speeds even worse than Synchrony now. Service is worse than anything. Save yourself the trouble of getting sucked into rates that are sometimes competitive and choose anythi... Read More Reviews (33)
CIT Bank, a division of First-Citizens Bank and Trust	3.00%	$1,000	-	Learn More Add Review
RTN1949 \| Jun 2, 2022 I've been a customer since CIT emerged from the financial crisis as a real competitor in this space (14 years or so). Zero complaints about anything over this time ... until today. Now they are offering a... Read More
Dollar Savings Direct, a division of Emigrant Bank	2.75%	$1,000	-	Learn More Add Review
Rate History: 3.50% → 3.00% → 2.75%
J Dally \| Jun 13, 2023 I'll steer clear of Dollar Savings Direct and My Savings Direct until they guarantee users at both online divisions their best rates. Banks have the right to segment their customers yes, but these games w... Read More
Axiom Bank, National Association St Cloud Branch	2.50%	$500	-	Learn More
Sara Jennings \| Dec 26, 2021 SJennings Read More Reviews (4)
American Commerce Bank, National Association Probank Branch	2.50%	$500	-	Learn More Add Review
Chesapeake Bank	2.36%	$1,000	-	Learn More Add Review
Rate History: 0.85% → 1.25% → 2.60% → 2.36%
ruler009 \| May 26, 2017 Before009 Read More
JPMorgan Chase Bank, National Association Miramar & Palm Banking Center Branch	2.00%	$10,000	-	Learn More
Rate History: 3.00% → 2.50% → 2.00%
Hayley7788d@outlook.com \| Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More Reviews (18)
USAA Federal Savings Bank	1.80%	$1,000	-	Learn More
Rate History: 4.65% → 4.20% → 4.05% → 2.80% → 1.80%
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 Reviews (2)
Citizens First Bank Mulberry Grove Branch	1.77%	$2,500	-	Learn More
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 Reviews (1)
Hingham Institution for Savings	1.75%	$1,000	-	Learn More Add Review
Hingham Savings	1.75%	$1,000	-	Learn More Add Review
USAA Federal Savings Bank	1.65%	$1,000	-	Learn More Add Review
Rate History: 4.45% → 2.80% → 1.65%
Azblondie007 \| Feb 24, 2020 I had been with USAA for 20 years. Had my checking, savings, auto and renters insurance and 2 credit cards with them. I work in the service industry and make a good portion of my income in cash tips. For 4... Read More
Third Federal Savings and Loan Association of Cleveland Plantation Branch	1.50%	$500	-	Learn More Add Review
BMO Bank National Association Bonita Beach Road Office Branch	1.00%	$1,000	-	Learn More
Rate History: 1.70% → 4.65% → 1.70% → 1.20% → 1.00%
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 Reviews (9)
TD Bank, National Association Stuart Branch	1.00%	$10,000	-	Learn More
Rate History: 4.50% → 1.00% → 4.00% → 1.00%
Turonemckinney17@gmail.com \| May 19, 2018 Experience Read More Reviews (1)
Madison County Community Bank Madison County Community Bank Branch	0.95%	$100,000	-	Learn More Add Review
TrustCo Bank Maitland Branch	0.92%	$500	-	Learn More
Rate History: 0.10% → 4.25% → 1.50% → 0.92%
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 Reviews (1)
Madison County Community Bank Madison County Community Bank Branch	0.82%	$10,000	-	Learn More Add Review
Surety Bank Surety Bank Branch	0.80%	$10,000	-	Learn More Add Review
First Port City Bank	0.80%	$10,000	-	Learn More Add Review
OptimumBank Galt Ocean Mile Branch	0.75%	$1,000	-	Learn More
nino \| Nov 11, 2021 nino Read More Reviews (1)
Marine Bank & Trust Company Sebastian Branch	0.75%	$10,000	-	Learn More Add Review
ServisFirst Bank Pensacola Cordova Branch	0.71%	$10,000	-	Learn More Add Review
Amerasia Bank Miami Branch	0.66%	$10,000	-	Learn More
Chang \| Aug 19, 2021 Best Service! Read More Reviews (3)
First National Bank of Pasco Zephyrhills Branch	0.65%	$10,000	-	Learn More Add Review
Mainstreet Community Bank of Florida Orange City Office Branch	0.65%	$10,000	-	Learn More
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 Reviews (3)
Sunrise Bank Sunrise Bank Branch	0.65%	$10,000	-	Learn More Add Review
United Fidelity Bank, fsb Metro Parkway Branch	0.65%	$10,000	-	Learn More Add Review
Academy Bank, National Association Jacksonville Branch	0.65%	$10,000	-	Learn More
Fran1 \| Feb 4, 2020 Academy was great helping me open a new account Read More Reviews (5)
Sunstate Bank Coral Gables Branch	0.61%	$10,000	-	Learn More Add Review
FirstBank Puerto Rico Deerfield Beach Office Branch	0.60%	$10,000	-	Learn More
wlsjacobson \| Jul 31, 2017 Outstanding bank, management and client service. Well run and financially very strong Read More Reviews (2)
Bank of Belle Glade Bank Of Belle Glade Branch	0.60%	$1,000	-	Learn More Add Review
Helm Bank USA Helm Bank Usa Branch	0.60%	$10,000	-	Learn More Add Review
Cogent Bank Longwood Branch	0.60%	$10,000	-	Learn More Add Review
First Bank La Belle Branch	0.55%	$10,000	-	Learn More Add Review
The First National Bank of Mount Dora Sorrento Branch	0.55%	$10,000	-	Learn More Add Review
First National Bank of Wauchula First National Bank Of Wauchula Branch	0.55%	$100,000	-	Learn More Add Review
South State Bank, National Association University Parkway Branch	0.50%	$500	-	Learn More
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 Reviews (2)
BankFlorida Firstcity Bank Of Commerce Branch	0.50%	$10,000	-	Learn More Add Review
First Southern Bank	0.50%	$10,000	-	Learn More Add Review
PrimeSouth Bank	0.50%	$10,000	-	Learn More Add Review
FNBT BANK Hulburt Field Branch	0.50%	$10,000	-	Learn More
Mark2 \| Oct 2, 2020 O stars! Horrible bank Read More Reviews (2)
FineMark National Bank & Trust Bentley Village Branch	0.45%	$10,000	-	Learn More
jpchamorro \| Apr 5, 2020 great Read More Reviews (1)
Grove Bank & Trust South Miami Branch	0.45%	$10,000	-	Learn More Add Review
First National Bank of Wauchula First National Bank Of Wauchula Branch	0.45%	$10,000	-	Learn More Add Review
PeoplesSouth Bank Sneads Branch	0.45%	$10,000	-	Learn More Add Review
CCB Community Bank Ccb - Niceville Branch	0.40%	$500	-	Learn More Add Review
MidSouth Bank Panama City Branch	0.40%	$10,000	-	Learn More
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 Reviews (1)
Millennium Bank	0.40%	$10,000	-	Learn More Add Review
Armed Forces Bank, National Association Macdill Afb Branch	0.35%	$10,000	-	Learn More
BENNIE BROOKS \| Mar 25, 2015 OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More Reviews (2)
First American Bank 95 Merrick Way Br Branch	0.35%	$10,000	-	Learn More Add Review
Trustmark National Bank Banktrust Florida Branch	0.35%	$10,000	-	Learn More
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 Reviews (1)
Metro City Bank	0.33%	$1,000	-	Learn More
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 Reviews (1)
United Southern Bank Lake Port Square Branch	0.30%	$1,000	-	Learn More Add Review
City National Bank of Florida Biscayne Tower Branch	0.30%	$10,000	-	Learn More
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 Reviews (1)
Wauchula State Bank Interlake Boulevard Branch	0.30%	$10,000	-	Learn More Add Review
The Bank of Tampa Downtown Branch	0.30%	$100,000	-	Learn More Add Review
MidWestOne Bank Naples - Branch 19	0.30%	$10,000	-	Learn More Add Review
OneLocal Bank	0.30%	$500	-	Learn More Add Review
Rate History: 0.30% → 1.26% → 0.30%
1st Source Bank Sarasota Banking Center Branch	0.27%	$500	-	Learn More Add Review
Lafayette State Bank Lafayette State Bank Branch	0.26%	$10,000	-	Learn More Add Review
Purepoint MUFG Union	0.25%	$10,000	-	Learn More Add Review
UtahJazz1 \| Jun 10, 2022 This bank hasn't raised their rates! Maybe I was sleeping but I need to get out of here fast. Read More
Liberty Savings Bank, F.S.B. Tamiami Trail Branch	0.25%	$10,000	-	Learn More Add Review
Seacoast National Bank Palm Beach Community Bank Branch	0.25%	$10,000	-	Learn More
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 Reviews (1)
Southeastern Bank Callahan Branch	0.25%	$10,000	-	Learn More Add Review
Renasant Bank Ocala State Road 200 Branch	0.25%	$10,000	-	Learn More
rand \| Mar 25, 2019 CDs shown are not offered in Knoxville area Read More Reviews (1)
Prime Meridian Bank Tallahassee Branch	0.25%	$10,000	-	Learn More Add Review
First Federal Bank South Ohio Avenue Branch	0.25%	$100,000	-	Learn More Add Review
The Bank of Tampa Downtown Branch	0.20%	$10,000	-	Learn More Add Review
Southeast First National Bank Hutchison Boulevard Branch	0.20%	$10,000	-	Learn More Add Review
Ameris Bank Ameris Bank Branch	0.20%	$10,000	-	Learn More
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 Reviews (4)
Community Bank of Mississippi Crestview Branch	0.20%	$10,000	-	Learn More Add Review
Centennial Bank Centennial Bank Branch	0.20%	$10,000	-	Learn More
Asj \| Nov 15, 2020 Do they? Read More Reviews (1)
First Federal Bank South Ohio Avenue Branch	0.16%	$10,000	-	Learn More Add Review
Banco Bilbao Vizcaya Argenteria	0.15%	$500	-	Learn More Add Review
The Duffster \| May 21, 2018 I wish I had never heard of or seen BBVA. It has been a disaster. Came to this site to find something else. Read More
Sanibel Captiva Community Bank Mcgregor Branch	0.15%	$10,000	-	Learn More Add Review
Anthem Bank & Trust Anthem Bank & Trust Branch	0.10%	$10,000	-	Learn More Add Review
Capital City Bank Bank Link Branch	0.10%	$10,000	-	Learn More
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 Reviews (1)
Citizens Bank and Trust Winterset Branch	0.10%	$10,000	-	Learn More Add Review
Centennial Bank Centennial Bank Branch	0.10%	$10,000	-	Learn More
Asj \| Nov 15, 2020 Do they? Read More Reviews (1)
BankUnited, National Association Coral Gables Branch	0.10%	$1,000	-	Learn More Add Review
KeyBank National Association Naples Branch	0.05%	$10,000	-	Learn More
Rate History: 4.75% → 0.01% → 0.05%
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 Reviews (2)
U.S. Bank National Association Naples Pcr Branch	0.05%	$500	-	Learn More
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 Reviews (2)
Regions Bank Ft Lauderdale Branch	0.03% 0.01%	$2,501 $2,500	-	Learn More Add Review
PNC Bank, National Association West Sebastian Branch	0.03%	$25,000	-	Learn More
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 Reviews (1)
Bank of America, National Association Miami International Airport Branch	0.03%	$100,000	-	Learn More
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 Reviews (7)
OneWest Bank, a division of First-Citizens Bank and Trust	0.02%	$500	-	Learn More Add Review
First-Citizens Bank & Trust Company Health Park Branch	0.02%	$500	-	Learn More
Rate History: 0.10% → 0.02% → 0.10% → 0.02%
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 Reviews (3)
Fifth Third Bank, National Association Aloma & Tuscawilla Branch	0.01%	$500	-	Learn More
Juan Ricardo \| Nov 12, 2018 Helpful w/$ Read More Reviews (5)

All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

Branches Info around zip 10116

Branch	Street	City	State
Finworth, a division of InsBank Gulfport Boulevard Branch	6750 Gulfport Boulevard South	South Pasadena	FL
Raymond James Bank Raymond James Bank, National Association Branch	710 Carillon Parkway	Saint Petersburg	FL
PNB Community Bank Freeport Branch	15835 331 Business	Freeport	FL
Synchrony Bank Berryhill Road Branch	5907 Berryhill Road	Milton	FL
Banesco USA Doral Boulevard Branch	9500 Nw 41 Street	Doral	FL
Beal Bank USA Tampa Branch	4142 West Boy Scout Boulevard, Suite E-4	Tampa	FL
Citibank, National Association Boca Mizner Branch	700 South Federal Highway	Boca Raton	FL
Wells Fargo Bank, National Association Reitz Union Branch	655 Reitz Union Drive, University Of Fl	Gainesville	FL
Axiom Bank, National Association St Cloud Branch	4400 13th St	Saint Cloud	FL
American Commerce Bank, National Association Probank Branch	536 North Monroe Street	Tallahassee	FL
JPMorgan Chase Bank, National Association Miramar & Palm Banking Center Branch	9999 Miramar Pkwy	Miramar	FL
Citizens First Bank Mulberry Grove Branch	8590 S.E. 165th Mulberry Lane	The Villages	FL
Third Federal Savings and Loan Association of Cleveland Plantation Branch	8500 West Broward Boulevard	Plantation	FL
BMO Bank National Association Bonita Beach Road Office Branch	9000 Bonita Beach Road Se	Bonita Springs	FL
TD Bank, National Association Stuart Branch	989 South Federal Highway	Stuart	FL
Madison County Community Bank Madison County Community Bank Branch	301 West Base Street	Madison	FL
TrustCo Bank Maitland Branch	9400 Us Rt 17/92 Ste F	Maitland	FL
Madison County Community Bank Madison County Community Bank Branch	301 West Base Street	Madison	FL
Surety Bank Surety Bank Branch	990 North Woodland Boulevard	Deland	FL
OptimumBank Galt Ocean Mile Branch	2477 E. Commercial Blvd.	Fort Lauderdale	FL
Marine Bank & Trust Company Sebastian Branch	1020 U.S. Highway 1	Sebastian	FL
ServisFirst Bank Pensacola Cordova Branch	4980 North 12th Avenue	Pensacola	FL
Amerasia Bank Miami Branch	4601 N.W. 72nd Avenue	Miami	FL
First National Bank of Pasco Zephyrhills Branch	4518 Gall Boulevard	Zephyrhills	FL
Mainstreet Community Bank of Florida Orange City Office Branch	850 South Volusia Ave	Orange City	FL
Sunrise Bank Sunrise Bank Branch	5604 North Atlantic Avenue	Cocoa Beach	FL
United Fidelity Bank, fsb Metro Parkway Branch	14241 Metro Parkway	Fort Myers	FL
Academy Bank, National Association Jacksonville Branch	6767 103rd Street	Jacksonville	FL
Sunstate Bank Coral Gables Branch	2901 Le Jeune Road	Coral Gables	FL
FirstBank Puerto Rico Deerfield Beach Office Branch	Century Plaza, 1898-A West Hillsboro Boulevard	Deerfield Beach	FL
Bank of Belle Glade Bank Of Belle Glade Branch	108 Southeast Avenue D	Belle Glade	FL
Helm Bank USA Helm Bank Usa Branch	999 Brickell Avenue	Miami	FL
Cogent Bank Longwood Branch	485 S. Ronald Reagan Boulevard	Longwood	FL
First Bank La Belle Branch	301 Hwy 80 W	La Belle	FL
The First National Bank of Mount Dora Sorrento Branch	24034 Highway 46	Sorrento	FL
First National Bank of Wauchula First National Bank Of Wauchula Branch	406 North Sixth Avenue	Wauchula	FL
SouthState Bank, National Association University Parkway Branch	6204 N. Lockwood Ridge Road	Sarasota	FL
BankFlorida Firstcity Bank Of Commerce Branch	11760 Us Highway 1, Suite 102w	Palm Beach Gardens	FL
FNBT BANK Hulburt Field Branch	108 Lielmanis Avenue	Hurlburt Field	FL
FineMark National Bank & Trust Bentley Village Branch	701 Retreat Drive	Naples	FL
Grove Bank & Trust South Miami Branch	6400 S.Dixie Highway	South Miami	FL
First National Bank of Wauchula First National Bank Of Wauchula Branch	406 North Sixth Avenue	Wauchula	FL
PeoplesSouth Bank Sneads Branch	8146 Highway 90	Sneads	FL
CCB Community Bank Ccb - Niceville Branch	1502 E John Sims Parkway	Niceville	FL
MidSouth Bank Panama City Branch	1418 West 23rd Street	Panama City	FL
Armed Forces Bank, National Association Macdill Afb Branch	Building 926	Macdill Afb	FL
First American Bank 95 Merrick Way Br Branch	2295 Galiano Street	Coral Gables	FL
Trustmark National Bank Banktrust Florida Branch	Mack Bayou Road And U.S. Highway 98	Santa Rosa Beach	FL
United Southern Bank Lake Port Square Branch	900 Lake Port Square Boulevard	Leesburg	FL
City National Bank of Florida Biscayne Tower Branch	Two South Biscayne Boulevard	Miami	FL
Crews Bank & Trust Interlake Boulevard Branch	Interlake Boulevard At Main Street	Lake Placid	FL
The Bank of Tampa Downtown Branch	Three Tampa City Center, Suite 40	Tampa	FL
MidWestOne Bank Naples - Branch 19	4099 Tamiami Trail North	Naples	FL
1st Source Bank Sarasota Banking Center Branch	1800 Second Street, Suite 712	Sarasota	FL
Lafayette State Bank Lafayette State Bank Branch	340 West Main Street	Mayo	FL
Liberty Savings Bank, F.S.B. Tamiami Trail Branch	8383 South Tamiami Trail	Sarasota	FL
Seacoast National Bank Palm Beach Community Bank Branch	8101 Okeechobee Boulevard	West Palm Beach	FL
Southeastern Bank Callahan Branch	542238 U.S. Highway 1	Callahan	FL
Renasant Bank Ocala State Road 200 Branch	7605 Sw Highway 200	Ocala	FL
Prime Meridian Bank Tallahassee Branch	1471 Timberlane Road, Ste 124	Tallahassee	FL
First Federal Bank South Ohio Avenue Branch	804 Ohio Avenue South	Live Oak	FL
The Bank of Tampa Downtown Branch	Three Tampa City Center, Suite 40	Tampa	FL
Southeast First National Bank Hutchison Boulevard Branch	12720 Hutchison Boulevard	Panama City	FL
Ameris Bank Ameris Bank Branch	7880 Gate Parkway	Jacksonville	FL
Community Bank of Mississippi Crestview Branch	345 East James Lee Boulevard	Crestview	FL
Centennial Bank Centennial Bank Branch	2601 East Oakland Park Boulevard, Suite 102	Fort Lauderdale	FL
First Federal Bank South Ohio Avenue Branch	804 Ohio Avenue South	Live Oak	FL
Sanibel Captiva Community Bank Mcgregor Branch	15975 Mcgregor Boulevard	Fort Myers	FL
Anthem Bank & Trust Anthem Bank & Trust Branch	1000 Brickell Ave, Suite 501	Coral Gables	FL
Capital City Bank Bank Link Branch	Ccbg.Com	Tallahassee	FL
Citizens Bank and Trust Winterset Branch	6340 Cypress Gardens Blvd	Winter Haven	FL
Centennial Bank Centennial Bank Branch	2601 East Oakland Park Boulevard, Suite 102	Fort Lauderdale	FL
BankUnited, National Association Coral Gables Branch	999 Ponce De Leon Boulevard	Coral Gables	FL
KeyBank National Association Naples Branch	3777 Tamiami Trail North	Naples	FL
U.S. Bank National Association Naples Pcr Branch	9105 Strada Place, Suite 3200	Naples	FL
Regions Bank Ft Lauderdale Branch	100 Se 3rd Avenue	Fort Lauderdale	FL
PNC Bank, National Association West Sebastian Branch	993 Sebastian Boulevard	Sebastian	FL
Bank of America, National Association Miami International Airport Branch	Miami International Airport, Terminal D	Miami	FL
First-Citizens Bank & Trust Company Health Park Branch	16700 Bass Road	Fort Myers	FL
Regions Bank Ft Lauderdale Branch	100 Se 3rd Avenue	Fort Lauderdale	FL
Fifth Third Bank, National Association Aloma & Tuscawilla Branch	Aloma Avenue	Oviedo	FL

See rates for Online Banks →

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BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

PRODUCT INFORMATION

18 Month CDs - Branch Banks 2025

Banks offer a range of Certificates of Deposit (CD) with 18 month CDs being a popular term. An eighteen month CD obligates the holder to keep their money in the bank for eighteen months in return for a fixed rate of interest during that time period. All eighteen month bank CDs shown on BestCashCow are FDIC insured.

Eighteen month CDs can be opened in almost any bank branch as the are a mainstay of bank deposit products.

The advantages of an eighteen month CD are:

A slightly higher rate than 12 month CDs in return for leaving the money in the bank longer.
A fixed rate during the 18 month period.
FDIC insurance.
Convenience of opening and managing the CD at a local branch.

The disadvantages of an eighteen month branch CDs are:

Rates are generally lower than on the top online savings and CD accounts.
Money is tied up for 18 months. Removing it early results in significant penalties.
Opening in a branch requires a personal visit.

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.

SAVINGS & CD CALCULATOR

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Florida CD Rates – 18-Month

Branches Info around zip 10116

PRODUCT INFORMATION

18 Month CDs - Branch Banks 2025

The advantages of an eighteen month CD are:

The disadvantages of an eighteen month branch CDs are:

SAVINGS & CD CALCULATOR

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