Best 2-Year CD Rates in Wilton Manors, Florida, FL

You are viewing rates from banks across Wilton Manors

Below are two-year Certificates of Deposit (CD) rates from banks in Wilton Manors, Florida. Two year CDs generally offer a higher rate than 1 year CDs but require a longer commitment. Depending on the economy, longer term CDs may or may not offer more premium as the term increases. If you expect rates on bank products to drop, can afford to lock the money away, and feel you are receiving enough premium for the time commitment, then longer-term CDs may be appropriate.

Wilton Manors, FL - July 22, 2025

2 Year CD National Average : 0.66% ^?

Banks	APY	MIN	MILES ^?
Amerant Bank, Formerly Mercantil Bank Biscayne Boulevard Branch	5.25%	$500	-	Learn More
Rate History: 1.00% → 2.75% → 2.75% → 5.25%
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 Reviews (2)
Popular Direct	4.15%	$10,000	-	Learn More Add Review
Early Withdrawal Penalty is 270 days interest. Rate History: 4.10% → 4.20% → 4.15% → 4.05% → 4.15%
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
Sallie Mae Bank	4.00%	$2,500	-	Learn More
Rate History: 4.50% → 4.20% → 4.05% → 3.75% → 4.00%
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)
Raymond James Bank Raymond James Bank, National Association Branch	4.00%	$5,000	-	Learn More Add Review
Rate History: 4.20% → 4.05% → 4.00% → 3.90% → 4.00%
TotalDirect, a division of City National Bank of Florida	4.00%	$25,000	-	Learn More Add Review
Rate History: 4.34% → 4.00% → 4.00% → 4.21% → 4.00%
79Thru \| Mar 21, 2023 Parent seems to be owned by a large Chilean bank. Not saying this is good or bad, but it is complication, especially in the current environment. Read More
Banesco USA Coral Way Branch	3.60%	$1,000	-	Learn More
Warning: Early Withdrawal Penalty is 270 days interest. Rate History: 0.50% → 3.80% → 3.75% → 4.30% → 3.60%
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)
Synchrony Bank Berryhill Road Branch	3.50%	$0	-	Learn More Add Review
Rate History: 4.40% → 4.20% → 4.00% → 3.90% → 3.50%
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
HSBC Bank USA, National Association Palm Aire Branch	3.50%	$1,000	-	Learn More
Rate History: 4.00% → 4.10% → 3.50% → 3.25% → 3.50%
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 Reviews (3)
Citizens	3.50%	$5,000	-	Learn More Add Review
james \| Nov 18, 2023 bad bank hold your deposit over months without credit in your account, no interest, they don’t want pay you interest , they want your money with 0% interest. Read More
Vio Bank, A Division of MidFirst Bank	3.50%	$500	-	Learn More Add Review
Rate History: 3.50% → 3.50% → 3.75% → 3.50%
Jim S \| Dec 21, 2023 Very easy to setup 6 month 5.35% CD from cornerstone account Read More
Beal Bank USA Miami I Branch	3.45%	$1,000	-	Learn More
Rate History: 4.30% → 4.20% → 4.15% → 3.45%
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)
Stearns Bank National Association Venice Branch	3.25%	$2,500	-	Learn More Add Review
Finworth Court Street Bank Branch	3.20%	$50,000	-	Learn More Add Review
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 National Bank Cooper City Branch	3.00%	$500	-	Learn More
SadSack \| Dec 2, 2022 No such limits as referred to by Jonathan. Perfectly Happy with service and keep adjusting the rate! Read More Reviews (2)
Manufacturers and Traders Trust Company North Palm Beach Office Branch	3.00%	$1,000	-	Learn More
Rate History: 4.50% → 4.00% → 3.75% → 3.00%
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 Reviews (3)
Fifth Third Bank, National Association Palm Harbor Branch	3.00% 0.01%	$5,000 $500	-	Learn More
Rate History: 5.00% → 4.00% → 3.50% → 2.00% → 3.00%
Juan Ricardo \| Nov 12, 2018 Helpful w/$ Read More Reviews (5)
BMO Alto, a division of Bank of Montreal Harris	2.75%	$0	-	Learn More Add Review
Early Withdrawal Penalty is 180 days interest. Rate History: 4.00% → 3.90% → 3.80% → 3.50% → 2.75%
Jenny Kingston \| Jun 10, 2024 I guess customer service is in the US (not sure). I'd rather that someone in the Philippines answered though. These people are so poorly trained and ill informed that I do not trust them with my personal... Read More
Axiom Bank, National Association Corporate Headquarters 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
Woodforest National Bank Jacksonville Fl 8254 Branch	2.25%	$500	-	Learn More
Rate History: 1.00% → 1.55% → 2.25% → 3.50% → 2.25%
Jabbroadway42 \| Nov 17, 2020 Is notarie services available today at a woodforest on wilkinson blvd Read More Reviews (2)
JPMorgan Chase Bank, National Association Palm Beach 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)
Citizens First Bank Citizens First Bank Branch	1.87%	$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)
Third Federal Savings and Loan Association of Cleveland New Port Richey Branch	1.50%	$500	-	Learn More Add Review
Union State Bank Destin Branch	1.35%	$500	-	Learn More Add Review
Madison County Community Bank Madison County Community Bank Branch	1.16%	$100,000	-	Learn More Add Review
Madison County Community Bank Madison County Community Bank Branch	1.01%	$10,000	-	Learn More Add Review
BMO Bank National Association West Palm Beach Branch	1.00%	$1,000	-	Learn More
Rate History: 1.50% → 4.00% → 1.50% → 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)
Surety Bank Surety Bank Branch	1.00%	$10,000	-	Learn More Add Review
TD Bank, National Association South Ohio Avenue Branch	1.00%	$10,000	-	Learn More
Rate History: 4.00% → 1.00% → 4.00% → 1.00%
Turonemckinney17@gmail.com \| May 19, 2018 Experience Read More Reviews (1)
Pineland Bank Downtown Fernandina Beach Branch	0.95%	$10,000	-	Learn More Add Review
FirstBank Puerto Rico Waterford Way Branch	0.80%	$10,000	-	Learn More
wlsjacobson \| Jul 31, 2017 Outstanding bank, management and client service. Well run and financially very strong Read More Reviews (2)
Amerasia Bank Miami Branch	0.76%	$10,000	-	Learn More
Chang \| Aug 19, 2021 Best Service! Read More Reviews (3)
Helm Bank USA Helm Bank Usa Branch	0.75%	$10,000	-	Learn More Add Review
Florida Capital Bank, National Association Florida Capital Bank, National Association Branch	0.75%	$10,000	-	Learn More Add Review
OptimumBank Optimumbank Branch	0.75%	$1,000	-	Learn More
nino \| Nov 11, 2021 nino Read More Reviews (1)
First National Bank of Pasco First National Bank Of Pasco Branch	0.75%	$10,000	-	Learn More Add Review
ServisFirst Bank Pensacola Branch Office	0.71%	$10,000	-	Learn More Add Review
First Bank First Bank Branch	0.70%	$10,000	-	Learn More Add Review
Bank of Belle Glade Bank Of Belle Glade Branch	0.70%	$1,000	-	Learn More Add Review
Marine Bank & Trust Company Marine Bank & Trust Company Branch	0.70%	$10,000	-	Learn More Add Review
Mainstreet Community Bank of Florida Mainstreet Community Bank Of Florida Branch	0.70%	$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)
United Fidelity Bank, fsb Metro Parkway Branch	0.70%	$10,000	-	Learn More Add Review
First National Bank of Wauchula First National Bank Of Wauchula Branch	0.70%	$100,000	-	Learn More Add Review
Academy Bank, National Association Tampa Branch	0.70%	$10,000	-	Learn More
Fran1 \| Feb 4, 2020 Academy was great helping me open a new account Read More Reviews (5)
FineMark National Bank & Trust Finemark National Bank & Trust Branch	0.65%	$10,000	-	Learn More
jpchamorro \| Apr 5, 2020 great Read More Reviews (1)
South State Bank, National Association Krome Ave Branch	0.65%	$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)
Natbank, National Association Natbank, National Association Branch	0.65%	$100,000	-	Learn More Add Review
Sunrise Bank Sunrise Bank Branch	0.65%	$10,000	-	Learn More Add Review
The First National Bank of Mount Dora The First National Bank Of Mount Dor Branch	0.65%	$10,000	-	Learn More Add Review
BankFlorida Firstcity Bank Of Commerce Branch	0.60%	$10,000	-	Learn More Add Review
First National Bank of Wauchula First National Bank Of Wauchula Branch	0.60%	$10,000	-	Learn More Add Review
Cogent Bank Pinnacle Bank Branch	0.60%	$10,000	-	Learn More Add Review
Banco do Brasil Americas Banco Do Brasil Americas Branch	0.55%	$100,000	-	Learn More Add Review
Lafayette State Bank Lafayette State Bank Branch	0.51%	$10,000	-	Learn More Add Review
Community Bank of the South Community Bank Of The South Branch	0.50%	$10,000	-	Learn More Add Review
Heartland National Bank Heartland National Bank Branch	0.50%	$1,000	-	Learn More Add Review
Sunstate Bank Sunstate Bank Branch	0.50%	$10,000	-	Learn More Add Review
Grove Bank & Trust Grove Bank & Trust Branch	0.50%	$10,000	-	Learn More Add Review
MidSouth Bank Panama City Branch	0.50%	$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)
PeoplesSouth Bank Malone-Pcb, The Community Branch	0.50%	$10,000	-	Learn More Add Review
FNBT BANK Fnbt Bank Branch	0.50%	$10,000	-	Learn More
Mark2 \| Oct 2, 2020 O stars! Horrible bank Read More Reviews (2)
Citibank, National Association Coral Gables Branch	0.50%	$0	-	Learn More
Rate History: 2.00% → 0.50%
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)
Armed Forces Bank, National Association Macdill Afb Branch	0.45%	$10,000	-	Learn More
BENNIE BROOKS \| Mar 25, 2015 OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More Reviews (2)
CIT Bank, a division of First-Citizens Bank and Trust	0.40%	$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
City National Bank of Florida Hallandale Branch	0.40%	$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)
United Southern Bank United Southern Bank Branch	0.40%	$1,000	-	Learn More Add Review
Banco do Brasil Americas Banco Do Brasil Americas Branch	0.40%	$10,000	-	Learn More Add Review
CCB Community Bank North Ferdon Boulevard Branch	0.40%	$500	-	Learn More Add Review
Intracoastal Bank Intracoastal Bank Branch	0.40%	$100,000	-	Learn More Add Review
American Momentum Bank South Washington Branch	0.38%	$10,000	-	Learn More Add Review
Southeastern Bank Yulee Branch	0.35%	$10,000	-	Learn More Add Review
MidWestOne Bank Naples - Branch 19	0.35%	$10,000	-	Learn More Add Review
First American Bank 95 Merrick Way Br Branch	0.35%	$10,000	-	Learn More Add Review
Wauchula State Bank Wauchula State Bank Branch	0.35%	$10,000	-	Learn More Add Review
The Bank of Tampa The Bank Of Tampa Branch	0.35%	$100,000	-	Learn More Add Review
Community Bank of Mississippi Crestview Branch	0.35%	$10,000	-	Learn More Add Review
Trustmark National Bank Trustmark National Bank 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)
Centennial Bank Coastal Community Branch Panama City	0.35%	$10,000	-	Learn More
Asj \| Nov 15, 2020 Do they? Read More Reviews (1)
1st Source Bank Sarasota Banking Center Branch	0.32%	$500	-	Learn More Add Review
Liberty Savings Bank, F.S.B. Liberty Savings Bank, F.S.b. Branch	0.30%	$10,000	-	Learn More Add Review
OneUnited Bank 79th Street Branch	0.30%	$1,000	-	Learn More Add Review
Desjardins Bank, National Association Desjardins Bank, National Association Branch	0.30%	$100,000	-	Learn More Add Review
Prime Meridian Bank Prime Meridian Bank Branch	0.30%	$10,000	-	Learn More Add Review
Southeast First National Bank Hutchison Boulevard Branch	0.30%	$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
Interamerican Bank, A FSB Interamerican Bank, A Fsb Branch	0.25%	$10,000	-	Learn More Add Review
Natbank, National Association Natbank, National Association Branch	0.25%	$10,000	-	Learn More Add Review
The Bank of Tampa The Bank Of Tampa Branch	0.25%	$10,000	-	Learn More Add Review
Intracoastal Bank Intracoastal Bank Branch	0.25%	$10,000	-	Learn More Add Review
Renasant Bank West Duval Branch	0.25%	$10,000	-	Learn More
rand \| Mar 25, 2019 CDs shown are not offered in Knoxville area Read More Reviews (1)
First Federal Bank Bonifay Branch	0.25%	$100,000	-	Learn More Add Review
First Federal Bank Bonifay Branch	0.22%	$10,000	-	Learn More Add Review
Axos Bank, a division of Bofi Federal Bank	0.20%	$1,000	-	Learn More Add Review
wertlkgt \| Mar 28, 2022 Vaporware. Was approved to open an account. I logged in on several different browsers with differing rendering codes--each time got nothing but 3 circles running left to right for up to a half hour when I ... Read More
Desjardins Bank, National Association Desjardins Bank, National Association Branch	0.20%	$10,000	-	Learn More Add Review
Sanibel Captiva Community Bank Sanibel Captiva Community Bank Branch	0.20%	$10,000	-	Learn More Add Review
Seacoast National Bank Seacoast National Bank Branch	0.20%	$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)
Ameris Bank Live Oak 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)
Bank OZK Court Street Bank Branch	0.20%	$1,000	-	Learn More
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 Reviews (11)
Capital City Bank Palatka Branch	0.15%	$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)
Comerica Bank Palm Beach Gardens Branch	0.10%	$1	-	Learn More
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 Reviews (1)
BankUnited, National Association Doral Branch	0.10%	$1,000	-	Learn More Add Review
Anthem Bank & Trust Anthem Bank & Trust Branch	0.10%	$10,000	-	Learn More Add Review
Centennial Bank Coastal Community Branch Panama City	0.10%	$10,000	-	Learn More
Asj \| Nov 15, 2020 Do they? Read More Reviews (1)
First Horizon Bank Naples Blvd Branch	0.10%	$1,000	-	Learn More
D R Lineberger \| Dec 30, 2018 Garden14 Read More Reviews (1)
Citizens Bank and Trust Citizens Bank And Trust Branch	0.10%	$10,000	-	Learn More Add Review
PNB Community Bank Peoples National Bank Branch	0.10%	$1,000	-	Learn More Add Review
KeyBank National Association Naples Branch	0.05%	$2,500	-	Learn More
Rate History: 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)
Regions Bank Downtown Clearwater Branch	0.05% 0.01%	$2,501 $2,500	-	Learn More Add Review
Rate History: 0.03% → 0.05%
First-Citizens Bank & Trust Company Sun American Bank Branch	0.05%	$500	-	Learn More
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)
U.S. Bank National Association Palm Beach 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)
PNC Bank, National Association Public Bank Groveland Office 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 Garden Street 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)

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
Amerant Bank, Formerly Mercantil Bank Biscayne Boulevard Branch	11900 Biscayne Boulevard	Miami	FL
Raymond James Bank Raymond James Bank, National Association Branch	710 Carillon Parkway	Saint Petersburg	FL
Banesco USA Coral Way Branch	2121 Sw 3rd Ave	Miami	FL
Synchrony Bank Berryhill Road Branch	5907 Berryhill Road	Milton	FL
HSBC Bank USA, National Association Palm Aire Branch	1291 South Pompano Parkway	Pompano Beach	FL
Beal Bank USA Miami I Branch	2610 Ponce De Leon Boulevard	Coral Gables	FL
Stearns Bank National Association Venice Branch	201 Center Road	Venice	FL
Finworth, a division of InsBank Court Street Bank Branch	625 Court Street	Clearwater	FL
Valley National Bank Cooper City Branch	5854 South Flamingo Road	Cooper City	FL
Manufacturers and Traders Trust Company North Palm Beach Office Branch	2000 Pga Boulevard	North Palm Beach	FL
Fifth Third Bank, National Association Palm Harbor Branch	1027 Nebraska Avenue	Palm Harbor	FL
Axiom Bank, National Association Corporate Headquarters Branch	258 Southhall Lane	Maitland	FL
American Commerce Bank, National Association Probank Branch	536 North Monroe Street	Tallahassee	FL
Woodforest National Bank Jacksonville Fl 8254 Branch	12100 Lem Turner Road	Jacksonville	FL
JPMorgan Chase Bank, National Association Palm Beach Branch	205 Royal Palm Way	Palm Beach	FL
Citizens First Bank Citizens First Bank Branch	1050 Lake Sumter Landing	The Villages	FL
Third Federal Savings and Loan Association of Cleveland New Port Richey Branch	8270 Ridge Road	Port Richey	FL
Union State Bank Destin Branch	978 Airport Road	Destin	FL
Madison County Community Bank Madison County Community Bank Branch	301 West Base Street	Madison	FL
Madison County Community Bank Madison County Community Bank Branch	301 West Base Street	Madison	FL
BMO Bank National Association West Palm Beach Branch	777 South Flagler Drive, Suite 140-E	West Palm Beach	FL
Surety Bank Surety Bank Branch	990 North Woodland Boulevard	Deland	FL
TD Bank, National Association South Ohio Avenue Branch	535 Ohio Avenue South	Live Oak	FL
Pineland Bank Downtown Fernandina Beach Branch	715 Centre Street	Fernandina Beach	FL
FirstBank Puerto Rico Waterford Way Branch	701 Waterford Way, Bldg. 1, Suite 800	Miami	FL
Amerasia Bank Miami Branch	4601 N.W. 72nd Avenue	Miami	FL
Helm Bank USA Helm Bank Usa Branch	999 Brickell Avenue	Miami	FL
Florida Capital Bank, National Association Florida Capital Bank, National Association Branch	10151 Deerwood Park Boulevard, Bldg 300, Suite 110	Jacksonville	FL
OptimumBank Optimumbank Branch	10197 Cleary Boulevard	Plantation	FL
First National Bank of Pasco First National Bank Of Pasco Branch	13315 Ushwy 301 South	Dade City	FL
ServisFirst Bank Pensacola Branch Office	316 South Baylen Street	Pensacola	FL
First Bank First Bank Branch	300 East Sugarland Highway	Clewiston	FL
Bank of Belle Glade Bank Of Belle Glade Branch	108 Southeast Avenue D	Belle Glade	FL
Marine Bank & Trust Company Marine Bank & Trust Company Branch	571 Beachland Boulevard	Vero Beach	FL
Mainstreet Community Bank of Florida Mainstreet Community Bank Of Florida Branch	204 South Woodland Boulevard	Deland	FL
United Fidelity Bank, fsb Metro Parkway Branch	14241 Metro Parkway	Fort Myers	FL
First National Bank of Wauchula First National Bank Of Wauchula Branch	406 North Sixth Avenue	Wauchula	FL
Academy Bank, National Association Tampa Branch	5650 Breckenridge Park Drive, Suite 110	Tampa	FL
FineMark National Bank & Trust Finemark National Bank & Trust Branch	12681 Creekside Lane	Fort Myers	FL
SouthState Bank, National Association Krome Ave Branch	1550 N. Krome Ave	Homestead	FL
Natbank, National Association Natbank, National Association Branch	4031 Oakwood Boulevard	Hollywood	FL
Sunrise Bank Sunrise Bank Branch	5604 North Atlantic Avenue	Cocoa Beach	FL
The First National Bank of Mount Dora The First National Bank Of Mount Dor Branch	714 N Donnelly Street	Mount Dora	FL
BankFlorida Firstcity Bank Of Commerce Branch	11760 Us Highway 1, Suite 102w	Palm Beach Gardens	FL
First National Bank of Wauchula First National Bank Of Wauchula Branch	406 North Sixth Avenue	Wauchula	FL
Cogent Bank Pinnacle Bank Branch	1113 Saxon Boulevard	Orange City	FL
Banco do Brasil Americas Banco Do Brasil Americas Branch	800 Brickell Avenue	Miami	FL
Lafayette State Bank Lafayette State Bank Branch	340 West Main Street	Mayo	FL
Community Bank of the South Community Bank Of The South Branch	277 North Sykes Creek Parkway	Merritt Island	FL
Heartland National Bank Heartland National Bank Branch	320 U.S. Highway 27 North	Sebring	FL
Sunstate Bank Sunstate Bank Branch	14095 South Dixie Highway	Miami	FL
Grove Bank & Trust Grove Bank & Trust Branch	2701 South Bayshore Drive	Miami	FL
MidSouth Bank Panama City Branch	1418 West 23rd Street	Panama City	FL
PeoplesSouth Bank Malone-Pcb, The Community Branch	5408 Tenth Street	Malone	FL
FNBT BANK Fnbt Bank Branch	29 North Eglin Parkway, N.E.	Fort Walton Beach	FL
Citibank, National Association Coral Gables Branch	1190 S Dixie Highway	Coral Gables	FL
Armed Forces Bank, National Association Macdill Afb Branch	Building 926	Macdill Afb	FL
City National Bank of Florida Hallandale Branch	1995 East Hallandale Beach Boulevard	Hallandale	FL
United Southern Bank United Southern Bank Branch	750 North Central Avenue	Umatilla	FL
Banco do Brasil Americas Banco Do Brasil Americas Branch	800 Brickell Avenue	Miami	FL
CCB Community Bank North Ferdon Boulevard Branch	1290 North Ferdon Boulevard	Crestview	FL
Intracoastal Bank Intracoastal Bank Branch	1290 Palm Coast Parkway Nw	Palm Coast	FL
American Momentum Bank South Washington Branch	544 South Washington Boulevard	Sarasota	FL
Southeastern Bank Yulee Branch	463128 State Road 200	Yulee	FL
MidWestOne Bank Naples - Branch 19	4099 Tamiami Trail North	Naples	FL
First American Bank 95 Merrick Way Br Branch	2295 Galiano Street	Coral Gables	FL
Crews Bank & Trust Wauchula State Bank Branch	106 East Main Street	Wauchula	FL
The Bank of Tampa The Bank Of Tampa Branch	601 Bayshore Boulevard, Suite 100	Tampa	FL
Community Bank of Mississippi Crestview Branch	345 East James Lee Boulevard	Crestview	FL
Trustmark National Bank Trustmark National Bank Branch	509 Harrison Avenue	Panama City	FL
Centennial Bank Coastal Community Branch Panama City	12141 Panama City Beach Parkway	Panama City Beach	FL
1st Source Bank Sarasota Banking Center Branch	1800 Second Street, Suite 712	Sarasota	FL
Liberty Savings Bank, F.S.B. Liberty Savings Bank, F.S.b. Branch	1950 S Tamiami Tr	Sarasota	FL
OneUnited Bank 79th Street Branch	3275 N.W. 79th Street	Miami	FL
Desjardins Bank, National Association Desjardins Bank, National Association Branch	1001 East Hallandale Beach Boulevard	Hallandale	FL
Prime Meridian Bank Prime Meridian Bank Branch	1897 Capital Circle, Ne	Tallahassee	FL
Southeast First National Bank Hutchison Boulevard Branch	12720 Hutchison Boulevard	Panama City	FL
Interamerican Bank, A FSB Interamerican Bank, A Fsb Branch	9190 Coral Way	Miami	FL
Natbank, National Association Natbank, National Association Branch	4031 Oakwood Boulevard	Hollywood	FL
The Bank of Tampa The Bank Of Tampa Branch	601 Bayshore Boulevard, Suite 100	Tampa	FL
Intracoastal Bank Intracoastal Bank Branch	1290 Palm Coast Parkway Nw	Palm Coast	FL
Renasant Bank West Duval Branch	463 West Duval Street	Lake City	FL
First Federal Bank Bonifay Branch	300 North Waukesha Street	Bonifay	FL
First Federal Bank Bonifay Branch	300 North Waukesha Street	Bonifay	FL
Desjardins Bank, National Association Desjardins Bank, National Association Branch	1001 East Hallandale Beach Boulevard	Hallandale	FL
Sanibel Captiva Community Bank Sanibel Captiva Community Bank Branch	2475 Library Way	Sanibel	FL
Seacoast National Bank Seacoast National Bank Branch	815 Colorado Avenue	Stuart	FL
Ameris Bank Live Oak Branch	201 Ohio Avenue South	Live Oak	FL
Bank OZK Court Street Bank Branch	625 Court Street	Clearwater	FL
Capital City Bank Palatka Branch	148 South Highway 17	East Palatka	FL
Comerica Bank Palm Beach Gardens Branch	2401 Pga Boulevard Suite 198	Palm Beach Gardens	FL
BankUnited, National Association Doral Branch	7970 N.W. 36th Street	Miami	FL
Anthem Bank & Trust Anthem Bank & Trust Branch	1000 Brickell Ave, Suite 501	Coral Gables	FL
Centennial Bank Coastal Community Branch Panama City	12141 Panama City Beach Parkway	Panama City Beach	FL
First Horizon Bank Naples Blvd Branch	6435 Naples Boulevard	Naples	FL
Citizens Bank and Trust Citizens Bank And Trust Branch	2 East Wall Street	Frostproof	FL
PNB Community Bank Peoples National Bank Branch	1020 John Sims Parkway	Niceville	FL
KeyBank National Association Naples Branch	3777 Tamiami Trail North	Naples	FL
Regions Bank Downtown Clearwater Branch	715 S. Fort Harrison Avenue	Clearwater	FL
First-Citizens Bank & Trust Company Sun American Bank Branch	9293 Glades Road	Boca Raton	FL
U.S. Bank National Association Palm Beach Pcr Branch	324 Royal Palm Way	Palm Beach	FL
PNC Bank, National Association Public Bank Groveland Office Branch	200 East Broad Street	Groveland	FL
Bank of America, National Association Garden Street Branch	100 West Garden Street	Pensacola	FL
Regions Bank Downtown Clearwater Branch	715 S. Fort Harrison Avenue	Clearwater	FL
Fifth Third Bank, National Association Palm Harbor Branch	1027 Nebraska Avenue	Palm Harbor	FL

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PRODUCT INFORMATION

Two Year CDs - Branch Banks 2025

Two year CDs, also know as 24 month CDs are an intermediate term product that commits a depositor to keeping their money in the bank for 24 months in return for a fixed rate of return during that period. All two year CDs shown on BestCashCow are FDIC insured.

While two year CDs commit a person to locking their money in for double the time of a 12 month CD, the rate is not double. As a result, a depositor should think about whether the extra rate is worth the extra time commitment.

In general, if rates are rising, it makes sense not to lock up money for an extended period of time.

If rates are falling, then it makes sense to put money into a longer-term instrument to lock-in a higher rate.

Many find opening CDs at local bank is often easier than online. In a branch, a depositor can sign CD documents and initiate a CD in person, and can often get it done faster than mailing a check or initiating a wire transfer in order to get their money to an online bank. Many also appreciate the opportunity to interact face to face with a real human being as opposed to by phone or instant messaging.

The advantages of a two year branch CD are:

A higher rate than 12 month CDs in return for leaving the money in the bank longer.
A fixed rate during the 24 month period.
A generally higher rate for the same term than what can be found in a branch-based bank.
FDIC insurance.
Convenience of opening and managing the CD online.

The disadvantages of a two year branch CDs are:

Rates are generally lower than on the top online savings and CD accounts.
Money is tied up for two years. Removing it early results in significant penalties.
Opening online can often take several days. Problems must be handled online or via the phone as there is no branch.

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.

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PRODUCT INFORMATION

Two Year CDs - Branch Banks 2025

The advantages of a two year branch CD are:

The disadvantages of a two year branch CDs are:

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