Florida

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Florida CD Rates – 6-Month

You are viewing rates from banks across Florida





Below are the best six-month CD Rates from banks with branches in Florida. Six-month CDs are considered short-term cds and the yield is comparable to savings and money market rates. You may want to consider opening a 6 month CD if you are concerned about savings rates dropping and don’t mind locking up your money for six months.

FL - July 30, 2025

6 Month CD National Average : 0.41% ?

Banks APY MIN MILES ?

| Dec 26, 2021

SJennings Read More

Rate History: 5.25% → 5.00% → 4.75%

| 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

Rate History: 0.01% → 4.50%

Rate History: 5.30% → 5.20% → 4.70% → 4.30% → 4.50%

| Apr 18, 2018

Worst experience of my life. Did not fund and gave $25 to my own charity. Read More

Rate History: 4.75% → 5.15% → 5.00% → 4.75% → 4.50%

| May 11, 2023

They made mistakes twice and would not correct them Read More

Rate History: 5.06% → 5.32% → 4.50%

Rate History: 4.50% → 4.75% → 4.50% → 4.30% → 4.50%

| 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

Rate History: 4.65% → 4.50% → 4.40% → 4.35% → 4.45%

| Jul 4, 2025

Bread's current 6-month CD is 4.45%, not 4.35%. Read More

Early withdrawal penalty is 3 Months' Interest.
Rate History: 4.70% → 4.40% → 4.45% → 4.05% → 4.45%

| 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

Early Withdrawal Penalty is 90 days interest.
Rate History: 4.40% → 4.30% → 4.45% → 4.51% → 4.41%

| Aug 26, 2022

Too slow to raise rates. Read More

Rate History: 4.51% → 4.40% → 4.35% → 4.30% → 4.40%

| 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

6 Month Jumbo CD.
Rate History: 4.70% → 4.65% → 4.55% → 4.50% → 4.40%

| 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

Rate History: 4.65% → 4.86% → 4.75% → 4.50% → 4.40%

Early Withdrawal Penalty is 90 days interest.
Rate History: 4.40% → 4.35% → 4.00% → 4.15% → 4.40%

| Jul 3, 2023

A 2% early withdrawal fee on a 1-year CD is almost equally insane as a 270 day one. Read More

Rate History: 4.50% → 4.20% → 4.00% → 4.15% → 4.40%

| 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

Rate History: 3.50% → 4.50% → 4.75% → 4.65% → 4.35%

| Jun 26, 2020

Rate not current Read More

Rate History: 4.95% → 4.90% → 4.65% → 4.50% → 4.35%

| 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

No Penalty CD.
Rate History: 5.34% → 5.34% → 3.68% → 4.34%

| Mar 2, 2024

Attracted to the name, but the service had too many steps so I didn't open an account. Read More

Rate History: 4.85% → 4.80% → 4.50% → 4.39% → 4.30%

Warning: Early Withdrawal Penalty is 180 days interest.
Rate History: 4.35% → 4.15% → 4.15% → 4.49% → 4.28%

| Jan 30, 2024

Have an IRA rollover, they don't take IRAs any longer. Read More

Early Withdrawal Penalty is 30 days.
Rate History: 4.31% → 4.26%

| 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

| Dec 2, 2022

No such limits as referred to by Jonathan. Perfectly Happy with service and keep adjusting the rate! Read More

Rate History: 3.35% → 4.25%

| 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

Rate History: 5.00% → 4.75% → 5.00% → 4.75% → 4.25%

Rate History: 5.55% → 5.35% → 5.05% → 4.25%

Early Withdrawal Penalty is 3 months interest.
Rate History: 4.65% → 4.55% → 4.35% → 4.25%

Rate History: 4.76% → 4.65% → 4.50% → 4.34% → 4.24%

| 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

Rate History: 5.15% → 5.25% → 5.15% → 4.75% → 4.20%

| 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

Rate History: 4.50% → 4.30% → 4.20% → 4.10% → 4.20%

| Feb 15, 2024

best bank on the list but no longer the most competitive Read More

Early Withdrawal Penalty is 90 days interest.
Rate History: 4.70% → 4.45% → 4.40% → 4.45% → 4.20%

| Apr 20, 2024

Save your tears for another day. Very frustrating. 1-star. Read More

Rate History: 4.85% → 4.60% → 4.50% → 4.35% → 4.16%

| 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

Rate History: 2.25% → 4.90%

| Jul 1, 2022

Very easy opening process and wonderful staff. Read More

Rate History: 4.55% → 4.25% → 4.30% → 3.95% → 4.15%

| 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

Rate History: 4.19% → 4.24% → 4.30% → 4.35% → 4.14%

| Feb 12, 2020

WILL YOU CASH MY EE SAVINGS BONDS? PLEASE ADVSE. Read More

Rate History: 4.25% → 4.30% → 4.25% → 4.30% → 4.10%

Rate History: 4.90% → 4.75% → 4.50% → 5.00% → 4.10%

| 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

Rate History: 4.70% → 4.50% → 4.30% → 4.20% → 4.10%

| Dec 21, 2023

Very easy to setup 6 month 5.35% CD from cornerstone account Read More

Rate History: 5.00% → 4.65% → 4.30% → 3.79% → 4.05%

| May 21, 2021

avoid this Read More

6 Month CD.
Rate History: 4.95% → 4.85% → 4.50% → 4.35% → 4.00%

| 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

Rate History: 5.30% → 5.00% → 4.80% → 4.00%

| 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

Rate History: 5.25% → 4.50% → 4.35% → 4.25% → 4.00%

Early Withdrawal Penalty is 90 days interest.
Rate History: 5.20% → 5.00% → 4.50% → 4.25% → 4.00%

| 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

Rate History: 3.95% → 3.90% → 4.00% → 3.95% → 4.00%

| 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

Rate History: 5.00% → 4.75% → 4.00%

| 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

Early withdrawal penalty is one-fourth the amount of interest that would have been earned had CD been held to maturity.
Rate History: 4.00% → 3.90%

| 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

Rate History: 4.40% → 4.25% → 4.15% → 4.00% → 3.90%

| 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

Rate History: 4.60% → 4.30% → 4.20% → 4.05% → 3.90%

| 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

Early Withdrawal Penalty is 3 months interest.
Rate History: 4.62% → 4.30% → 4.29% → 4.08% → 3.87%

| Jun 1, 2021

Update: STAY AWAY FROM THIS BANK! They have no clue how to run an online bank. This bank is not ready for prime time. Nothing but problems. Customer service is dismal at best. Read More

Early Withdrawal Penalty is 3 months interest.
Rate History: 4.25% → 4.20% → 4.00% → 3.90% → 3.80%

| 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

Rate History: 5.10% → 5.20% → 4.50% → 4.00% → 3.80%

| Nov 12, 2018

Helpful w/$ Read More

Rate History: 4.25% → 4.20% → 4.00% → 3.90% → 3.80%

| 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

Rate History: 5.10% → 5.00% → 4.65% → 4.00% → 3.80%

| 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

Rate History: 1.50% → 2.50% → 4.00% → 3.75%

| Apr 25, 2023

with all of these online bank, including the well known ones, delaying transfers forever in order to fund these high rates, this one still executes inbound and outbound transfers immediately. Read More

Rate History: 4.00% → 3.75%

| 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

Rate History: 4.00% → 3.75%

| 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

Rate History: 4.35% → 4.25% → 3.90% → 3.70%

| 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

Rate History: 4.80% → 4.40% → 4.20% → 3.90% → 3.70%

| 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

Rate History: 4.07% → 3.61%

Rate History: 0.10% → 3.50%

| Aug 13, 2019

I filled out the application 10 days ago answering all questions and sent a file with a copy of my drivers license to Western Bank. I received an email saying that a banker would call me within one busines... Read More

| 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

| 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

Rate History: 4.70% → 4.50% → 4.30% → 3.90% → 3.00%

| 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

Rate History: 4.65% → 3.75% → 3.50% → 3.25% → 3.00%

| 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

Rate History: 0.65% → 3.25% → 3.00% → 3.20% → 3.00%

| May 26, 2017

Before009 Read More

2.79%

$1,000

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Rate History: 3.35% → 3.00% → 2.75%

| Nov 17, 2020

Is notarie services available today at a woodforest on wilkinson blvd Read More

Rate History: 5.00% → 4.50% → 4.00% → 3.00% → 2.75%

| May 19, 2018

Experience Read More

Rate History: 5.25% → 4.65% → 4.55% → 3.45% → 2.50%

| 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

Rate History: 2.50% → 2.51% → 2.01% → 2.00%

| 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

Rate History: 1.50% → 1.50%

| 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

Rate History: 3.00% → 2.00% → 1.50%

| Jan 2, 2023

Terrible customer service by investment side. Fees too high , too full of themselves Read More

1.00%

$1,000

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0.75%

$500

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| Nov 11, 2021

nino Read More

| Apr 30, 2019

No issues. I feel confident using them. Read More

0.65%

$10,000

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0.55%

$10,000

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0.50%

$10,000

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0.50%

$10,000

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0.50%

$10,000

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0.50%

$10,000

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| Jul 31, 2017

Outstanding bank, management and client service. Well run and financially very strong Read More

0.45%

$10,000

-

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0.45%

$10,000

-

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| 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

0.45%

$500

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0.45%

$10,000

-

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| Aug 19, 2021

Best Service! Read More

0.40%

$10,000

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0.40%

$100,000

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0.35%

$10,000

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0.35%

$100,000

-

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0.35%

$10,000

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0.35%

$10,000

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| 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

0.30%

$10,000

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0.30%

$1,000

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0.30%

$10,000

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0.30%

$10,000

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0.30%

$10,000

-

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| 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

| Apr 5, 2020

great Read More

0.30%

$10,000

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0.30%

$10,000

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0.30%

$10,000

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| Oct 2, 2020

O stars! Horrible bank Read More

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%

$1,000

-

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| 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

0.25%

$100,000

-

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| Feb 4, 2020

Academy was great helping me open a new account Read More

0.25%

$100,000

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0.25%

$10,000

-

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| 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

0.20%

$10,000

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| 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

0.20%

$10,000

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0.20%

$10,000

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| Mar 25, 2015

OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More

0.20%

$100,000

-

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| 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

| 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

| 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

0.18%

$100,000

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0.16%

$10,000

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| 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

0.15%

$10,000

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0.15%

$10,000

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| 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

0.15%

$1,000

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0.15%

$10,000

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0.15%

$1,000

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0.15%

$10,000

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0.15%

$10,000

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| Mar 25, 2019

CDs shown are not offered in Knoxville area Read More

0.15%

$10,000

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0.12%

$10,000

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| 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

| Dec 30, 2018

Garden14 Read More

0.10%

$10,000

-

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0.10%

$10,000

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0.10%

$10,000

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0.10%

$10,000

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0.10%

$10,000

-

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| Nov 15, 2020

Do they? Read More

| 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

| 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

| 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

0.05%

$10,000

-

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0.05%

$10,000

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| 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

| 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

| 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

| 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

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 10007


Branch Street City State
Axiom Bank, National Association
St Cloud Branch
4400 13th St Saint Cloud FL
Comerica Bank
Naples Branch
3001 Tamiami Trl Ste 100 Naples FL
Regions Bank
Ft Lauderdale Branch
100 Se 3rd Avenue Fort Lauderdale FL
Stearns Bank National Association
St Petersburg Branch
7555 Dr. Martin Luther King, Jr. Street North Saint Petersburg FL
Finworth, a division of InsBank
Gulfport Boulevard Branch
6750 Gulfport Boulevard South South Pasadena FL
Pacific National Bank
Pacific National Bank Branch
1390 Brickell Avenue Miami FL
Valley National Bank
Brandon Branch
668 Oakfield Drive Brandon FL
Regions Bank
Ft Lauderdale Branch
100 Se 3rd Avenue Fort Lauderdale FL
PNB Community Bank
Freeport Branch
15835 331 Business Freeport FL
Citizens First Bank
Mulberry Grove Branch
8590 S.E. 165th Mulberry Lane The Villages FL
Beal Bank USA
Tampa Branch
4142 West Boy Scout Boulevard, Suite E-4 Tampa FL
Raymond James Bank
Raymond James Bank, National Association Branch
710 Carillon Parkway Saint Petersburg FL
Manufacturers and Traders Trust Company
North Palm Beach Office Branch
2000 Pga Boulevard North Palm Beach FL
BankUnited, National Association
Coral Gables Branch
999 Ponce De Leon Boulevard Coral Gables FL
Banesco USA
Doral Boulevard Branch
9500 Nw 41 Street Doral FL
TrustCo Bank
Maitland Branch
9400 Us Rt 17/92 Ste F Maitland FL
HSBC Bank USA, National Association
Bal Harbour Surfside Branch
9501 Harding Avenue Surfside FL
Fifth Third Bank, National Association
Aloma & Tuscawilla Branch
Aloma Avenue Oviedo FL
Bank of America, National Association
Miami International Airport Branch
Miami International Airport, Terminal D Miami FL
Synchrony Bank
Berryhill Road Branch
5907 Berryhill Road Milton FL
Citibank, National Association
Boca Mizner Branch
700 South Federal Highway Boca Raton FL
Woodforest National Bank
8253 Jacksonville Florida Walmart Br Branch
6830 Normandy Blvd Jacksonville FL
TD Bank, National Association
Stuart Branch
989 South Federal Highway Stuart FL
Wells Fargo Bank, National Association
Reitz Union Branch
655 Reitz Union Drive, University Of Fl Gainesville FL
Amerant Bank, Formerly Mercantil Bank
Pinecrest Branch
9350 South Dixie Hwy Miami FL
JPMorgan Chase Bank, National Association
Miramar & Palm Banking Center Branch
9999 Miramar Pkwy Miramar FL
Union State Bank
Destin Branch
978 Airport Road Destin FL
OptimumBank
Galt Ocean Mile Branch
2477 E. Commercial Blvd. Fort Lauderdale FL
ServisFirst Bank
Pensacola Cordova Branch
4980 North 12th Avenue Pensacola FL
Liberty Savings Bank, F.S.B.
Tamiami Trail Branch
8383 South Tamiami Trail Sarasota FL
United Fidelity Bank, fsb
Metro Parkway Branch
14241 Metro Parkway Fort Myers FL
Natbank, National Association
Natbank, National Association Branch
4031 Oakwood Boulevard Hollywood FL
Surety Bank
Surety Bank Branch
990 North Woodland Boulevard Deland FL
FirstBank Puerto Rico
Deerfield Beach Office Branch
Century Plaza, 1898-A West Hillsboro Boulevard Deerfield Beach FL
Third Federal Savings and Loan Association of Cleveland
Plantation Branch
8500 West Broward Boulevard Plantation FL
Interamerican Bank, A FSB
Interamerican Bank, A Fsb Branch
9190 Coral Way Miami FL
BankFlorida
Firstcity Bank Of Commerce Branch
11760 Us Highway 1, Suite 102w Palm Beach Gardens FL
Mainstreet Community Bank of Florida
Orange City Office Branch
850 South Volusia Ave Orange City FL
CCB Community Bank
Ccb - Niceville Branch
1502 E John Sims Parkway Niceville FL
Madison County Community Bank
Madison County Community Bank Branch
301 West Base Street Madison FL
Amerasia Bank
Miami Branch
4601 N.W. 72nd Avenue Miami FL
Helm Bank USA
Helm Bank Usa Branch
999 Brickell Avenue Miami FL
First National Bank of Wauchula
First National Bank Of Wauchula Branch
406 North Sixth Avenue Wauchula FL
Cogent Bank
Longwood Branch
485 S. Ronald Reagan Boulevard Longwood FL
Banco do Brasil Americas
Pompano Beach Branch
839 West Sample Road Pompano Beach FL
Pineland Bank
Downtown Fernandina Beach Branch
715 Centre Street Fernandina Beach FL
PeoplesSouth Bank
Sneads Branch
8146 Highway 90 Sneads FL
First National Bank of Wauchula
First National Bank Of Wauchula Branch
406 North Sixth Avenue Wauchula FL
Bank of Belle Glade
Bank Of Belle Glade Branch
108 Southeast Avenue D Belle Glade FL
Sunstate Bank
Coral Gables Branch
2901 Le Jeune Road Coral Gables FL
First Bank
La Belle Branch
301 Hwy 80 W La Belle FL
Bank of Pensacola
Bank Of Pensacola Branch
5560 Highway 98 West Pensacola FL
FineMark National Bank & Trust
Bentley Village Branch
701 Retreat Drive Naples FL
First National Bank of Pasco
Zephyrhills Branch
4518 Gall Boulevard Zephyrhills FL
Banco do Brasil Americas
Pompano Beach Branch
839 West Sample Road Pompano Beach FL
FNBT BANK
Hulburt Field Branch
108 Lielmanis Avenue Hurlburt Field FL
The First National Bank of Mount Dora
Sorrento Branch
24034 Highway 46 Sorrento FL
Community Bank of the South
Community Bank Of The South Branch
277 North Sykes Creek Parkway Merritt Island FL
Grove Bank & Trust
South Miami Branch
6400 S.Dixie Highway South Miami FL
Heartland National Bank
Avon Park Branch
800 West Main Street Avon Park FL
SouthState Bank, National Association
University Parkway Branch
6204 N. Lockwood Ridge Road Sarasota FL
Desjardins Bank, National Association
Lauderhill Branch
7329 W. Oakland Park Blvd. Lauderhill FL
Academy Bank, National Association
Jacksonville Branch
6767 103rd Street Jacksonville FL
Intracoastal Bank
Intracoastal Bank Branch
1290 Palm Coast Parkway Nw Palm Coast FL
City National Bank of Florida
Biscayne Tower Branch
Two South Biscayne Boulevard Miami FL
Marine Bank & Trust Company
Sebastian Branch
1020 U.S. Highway 1 Sebastian FL
Crews Bank & Trust
Interlake Boulevard Branch
Interlake Boulevard At Main Street Lake Placid FL
MidWestOne Bank
Naples - Branch 19
4099 Tamiami Trail North Naples FL
Armed Forces Bank, National Association
Macdill Afb Branch
Building 926 Macdill Afb FL
The Bank of Tampa
Downtown Branch
Three Tampa City Center, Suite 40 Tampa FL
Ameris Bank
Ameris Bank Branch
7880 Gate Parkway Jacksonville FL
MidSouth Bank
Panama City Branch
1418 West 23rd Street Panama City FL
Trustmark National Bank
Banktrust Florida Branch
Mack Bayou Road And U.S. Highway 98 Santa Rosa Beach FL
First Federal Bank
South Ohio Avenue Branch
804 Ohio Avenue South Live Oak FL
Community Bank of Mississippi
Crestview Branch
345 East James Lee Boulevard Crestview FL
1st Source Bank
Sarasota Banking Center Branch
1800 Second Street, Suite 712 Sarasota FL
American Momentum Bank
Pelican Bay Branch
8625 Tamiami Trail North Naples FL
Sunrise Bank
Sunrise Bank Branch
5604 North Atlantic Avenue Cocoa Beach FL
Seacoast National Bank
Palm Beach Community Bank Branch
8101 Okeechobee Boulevard West Palm Beach FL
United Southern Bank
Lake Port Square Branch
900 Lake Port Square Boulevard Leesburg FL
Desjardins Bank, National Association
Lauderhill Branch
7329 W. Oakland Park Blvd. Lauderhill FL
Lafayette State Bank
Lafayette State Bank Branch
340 West Main Street Mayo 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
First Horizon Bank
Key Largo Branch
99451 Overseas Highway Key Largo FL
Anthem Bank & Trust
Anthem Bank & Trust Branch
1000 Brickell Ave, Suite 501 Coral Gables FL
First American Bank
95 Merrick Way Br Branch
2295 Galiano Street Coral Gables FL
Southeast First National Bank
Hutchison Boulevard Branch
12720 Hutchison Boulevard Panama City FL
The Bank of Tampa
Downtown Branch
Three Tampa City Center, Suite 40 Tampa FL
Intracoastal Bank
Intracoastal Bank Branch
1290 Palm Coast Parkway Nw Palm Coast FL
Centennial Bank
Centennial Bank Branch
2601 East Oakland Park Boulevard, Suite 102 Fort Lauderdale FL
Capital City Bank
Bank Link Branch
Ccbg.Com Tallahassee FL
Comerica Bank
Naples Branch
3001 Tamiami Trl Ste 100 Naples FL
KeyBank National Association
Naples Branch
3777 Tamiami Trail North Naples FL
BMO Bank National Association
Bonita Beach Road Office Branch
9000 Bonita Beach Road Se Bonita Springs FL
Sanibel Captiva Community Bank
Mcgregor Branch
15975 Mcgregor Boulevard Fort Myers FL
Citizens Bank and Trust
Winterset Branch
6340 Cypress Gardens Blvd Winter Haven FL
TD Bank, National Association
Stuart Branch
989 South Federal Highway Stuart FL
Bank OZK
Gulfport Boulevard Branch
6750 Gulfport Boulevard South South Pasadena FL
U.S. Bank National Association
Naples Pcr Branch
9105 Strada Place, Suite 3200 Naples FL
PNC Bank, National Association
West Sebastian Branch
993 Sebastian Boulevard Sebastian FL
First-Citizens Bank & Trust Company
Health Park Branch
16700 Bass Road Fort Myers FL


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PRODUCT INFORMATION

6 Month Branch Certificates of Deposit 2025

Six month certificates of deposit (CDs) provide depositors with a short term vehicle for keeping money safe and earning interest. With a six month CD, depositors agree to leave their money in the account for six months in return for a fixed rate of interest over this period. While it is possible to withdraw the money earlier (breaking the CD) doing so comes with high interest penalties and is generally not advised.

In general, almost all brick-and-mortar banks provide CDs to their consumers. Opening one involves taking a trip to the branch although some banks allow CDs to be opened via the phone or online. In general, local banks discourage depositors from out-of-state to open accounts, although this is not a hard rule and if you see an attractive rate from a bank in another state, it is worth investigating the account opening policy. Online banks generally offer better rates on six month CDs but the accounts must be opened online. View online bank rates.

The advantages of six month CDs opened via a traditional bank are:

  • Funds deposited in FDIC banks and within insurance limits are protected by the full faith and credit of the United States government.
  • CDs provide a predictable, set rate of return.
  • Depositors can walk into a local branch and open the CD and fund it that day. Question and inquiries can also be handles in-person.

The disadvantages of six month CDs are:

  • Six month CDs currently pay interest rates significantly below many online and branch-based savings and money market accounts.
  • The deposited money is committed for six months.
  • Six month CDs from traditional banks often pay less interest than from online banks.

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.

SAVINGS & CD CALCULATOR

Find out how much extra money you can earn by moving your bank money into an account that pays more.

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