Best 6-Month CD Rates in Florida, FL

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 ^?
Axiom Bank, National Association St Cloud Branch	5.00%	$500	-	Learn More
Sara Jennings \| Dec 26, 2021 SJennings Read More Reviews (4)
Comerica Bank Naples Branch	4.75% 0.05%	$2,500 $1	-	Learn More
Rate History: 5.25% → 5.00% → 4.75%
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)
Regions Bank Ft Lauderdale Branch	4.50%	$2,500	-	Learn More Add Review
Rate History: 0.01% → 4.50%
ableBanking, a division of Northeast Bank	4.50%	$500	-	Learn More Add Review
Rate History: 5.30% → 5.20% → 4.70% → 4.30% → 4.50%
Dudley \| Apr 18, 2018 Worst experience of my life. Did not fund and gave $25 to my own charity. Read More
Santander Bank, N.A.	4.50% 4.00%	$500 $501	-	Learn More
Rate History: 4.75% → 5.15% → 5.00% → 4.75% → 4.50%
Maggie \| May 11, 2023 They made mistakes twice and would not correct them Read More Reviews (6)
Stearns Bank National Association St Petersburg Branch	4.50%	$2,500	-	Learn More Add Review
Rate History: 5.06% → 5.32% → 4.50%
Finworth Gulfport Boulevard Branch	4.50%	$50,000	-	Learn More Add Review
Rate History: 4.50% → 4.75% → 4.50% → 4.30% → 4.50%
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
Bread Savings, a division of Bread Financial	4.45%	$1,500	-	Learn More Add Review
Rate History: 4.65% → 4.50% → 4.40% → 4.35% → 4.45%
m abram \| Jul 4, 2025 Bread's current 6-month CD is 4.45%, not 4.35%. Read More
Colorado Federal Savings Bank	4.45%	$5,000	-	Learn More Add Review
Early withdrawal penalty is 3 Months' Interest. Rate History: 4.70% → 4.40% → 4.45% → 4.05% → 4.45%
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	4.41%	$1,000	-	Learn More Add Review
Early Withdrawal Penalty is 90 days interest. Rate History: 4.40% → 4.30% → 4.45% → 4.51% → 4.41%
Az1 \| Aug 26, 2022 Too slow to raise rates. Read More
Popular Direct	4.40%	$10,000	-	Learn More Add Review
Rate History: 4.51% → 4.40% → 4.35% → 4.30% → 4.40%
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
My e-Banc, a division of Bradesco BAC Florida Bank	4.40% 4.25%	$50,000 $5,000	-	Learn More Add Review
6 Month Jumbo CD. Rate History: 4.70% → 4.65% → 4.55% → 4.50% → 4.40%
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
Pacific National Bank Pacific National Bank Branch	4.40%	$1,000	-	Learn More Add Review
Rate History: 4.65% → 4.86% → 4.75% → 4.50% → 4.40%
Merrick Bank	4.40%	$25,000	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 4.40% → 4.35% → 4.00% → 4.15% → 4.40%
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)
Salem Five Direct	4.40% 3.75%	$10,000 $2,500	-	Learn More Add Review
Rate History: 4.50% → 4.20% → 4.00% → 4.15% → 4.40%
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
Limelight Bank, A division of Capital Community Bank	4.35%	$1,000	-	Learn More Add Review
Rate History: 3.50% → 4.50% → 4.75% → 4.65% → 4.35%
Savvysaver \| Jun 26, 2020 Rate not current Read More
Prime Alliance Bank	4.35%	$500	-	Learn More
Rate History: 4.95% → 4.90% → 4.65% → 4.50% → 4.35%
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)
Climate First Bank	4.34%	$500	-	Learn More
No Penalty CD. Rate History: 5.34% → 5.34% → 3.68% → 4.34%
tjgarnett \| Mar 2, 2024 Attracted to the name, but the service had too many steps so I didn't open an account. Read More Reviews (1)
Hingham Institution for Savings	4.30%	$1,000	-	Learn More Add Review
Rate History: 4.85% → 4.80% → 4.50% → 4.39% → 4.30%
First Internet Bank of Indiana	4.28%	$1,000	-	Learn More
Warning: Early Withdrawal Penalty is 180 days interest. Rate History: 4.35% → 4.15% → 4.15% → 4.49% → 4.28%
Beenthere \| Jan 30, 2024 Have an IRA rollover, they don't take IRAs any longer. Read More Reviews (2)
Canadian Imperial Bank USA	4.26%	$1,000	-	Learn More Add Review
Early Withdrawal Penalty is 30 days. Rate History: 4.31% → 4.26%
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
Valley National Bank Brandon Branch	4.25%	$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)
Regions Bank Ft Lauderdale Branch	4.25%	$500	-	Learn More Add Review
Gateway First Bank	4.25%	$500	-	Learn More
Rate History: 3.35% → 4.25%
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)
PNB Community Bank Freeport Branch	4.25%	$1,000	-	Learn More Add Review
Rate History: 5.00% → 4.75% → 5.00% → 4.75% → 4.25%
Newtek Bank, National Association	4.25%	$2,500	-	Learn More Add Review
Rate History: 5.55% → 5.35% → 5.05% → 4.25%
MainStreet Bank	4.25%	$500	-	Learn More Add Review
Early Withdrawal Penalty is 3 months interest. Rate History: 4.65% → 4.55% → 4.35% → 4.25%
Citizens First Bank Mulberry Grove Branch	4.24%	$2,500	-	Learn More
Rate History: 4.76% → 4.65% → 4.50% → 4.34% → 4.24%
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)
Beal Bank USA Tampa Branch	4.20%	$1,000	-	Learn More
Rate History: 5.15% → 5.25% → 5.15% → 4.75% → 4.20%
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)
Goldman Sachs Bank	4.20%	$500	-	Learn More Add Review
Rate History: 4.50% → 4.30% → 4.20% → 4.10% → 4.20%
A Terkowitz \| Feb 15, 2024 best bank on the list but no longer the most competitive Read More
Bask Bank, a division of Texas Capital Bank	4.20%	$1,000	-	Learn More Add Review
Early Withdrawal Penalty is 90 days interest. Rate History: 4.70% → 4.45% → 4.40% → 4.45% → 4.20%
smithy1968 \| Apr 20, 2024 Save your tears for another day. Very frustrating. 1-star. Read More
Bank of Hope	4.16% 0.20%	$250,000 $1,000	-	Learn More
Rate History: 4.85% → 4.60% → 4.50% → 4.35% → 4.16%
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)
M.Y. Safra Bank	4.15%	$500	-	Learn More
Rate History: 2.25% → 4.90%
Richard \| Jul 1, 2022 Very easy opening process and wonderful staff. Read More Reviews (6)
Sallie Mae Bank	4.15%	$2,500	-	Learn More
Rate History: 4.55% → 4.25% → 4.30% → 3.95% → 4.15%
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)
Charles Schwab Bank, SSB	4.14%	$1,000	-	Learn More
Rate History: 4.19% → 4.24% → 4.30% → 4.35% → 4.14%
kenbeckyreese@icloud.com \| Feb 12, 2020 WILL YOU CASH MY EE SAVINGS BONDS? PLEASE ADVSE. Read More Reviews (5)
Raymond James Bank Raymond James Bank, National Association Branch	4.10%	$5,000	-	Learn More Add Review
Rate History: 4.25% → 4.30% → 4.25% → 4.30% → 4.10%
Manufacturers and Traders Trust Company North Palm Beach Office Branch	4.10%	$1,001	-	Learn More
Rate History: 4.90% → 4.75% → 4.50% → 5.00% → 4.10%
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)
Vio Bank, A Division of MidFirst Bank	4.10%	$500	-	Learn More Add Review
Rate History: 4.70% → 4.50% → 4.30% → 4.20% → 4.10%
Jim S \| Dec 21, 2023 Very easy to setup 6 month 5.35% CD from cornerstone account Read More
IncredibleBank	4.05%	$1,000	-	Learn More Add Review
Rate History: 5.00% → 4.65% → 4.30% → 3.79% → 4.05%
nonsense \| May 21, 2021 avoid this Read More
Bank5 Connect	4.00%	$500	-	Learn More Add Review
6 Month CD. Rate History: 4.95% → 4.85% → 4.50% → 4.35% → 4.00%
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
LendingClub	4.00%	$2,500	-	Learn More
Rate History: 5.30% → 5.00% → 4.80% → 4.00%
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)
BankUnited, National Association Coral Gables Branch	4.00%	$1,000	-	Learn More Add Review
Rate History: 5.25% → 4.50% → 4.35% → 4.25% → 4.00%
Banesco USA Doral Boulevard Branch	4.00%	$1,000	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 5.20% → 5.00% → 4.50% → 4.25% → 4.00%
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)
TrustCo Bank Maitland Branch	4.00%	$500	-	Learn More
Rate History: 3.95% → 3.90% → 4.00% → 3.95% → 4.00%
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)
Northern Bank Direct	4.00%	$500	-	Learn More Add Review
Rate History: 5.00% → 4.75% → 4.00%
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
TIAA Bank / Everbank	3.90%	$1,000	-	Learn More Add Review
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%
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
HSBC Bank USA, National Association Bal Harbour Surfside Branch	3.90%	$1,000	-	Learn More
Rate History: 4.40% → 4.25% → 4.15% → 4.00% → 3.90%
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)
Ally Bank	3.90%	$0	-	Learn More Add Review
Rate History: 4.60% → 4.30% → 4.20% → 4.05% → 3.90%
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
National Cooperative Bank	3.87%	$2,500	-	Learn More
Early Withdrawal Penalty is 3 months interest. Rate History: 4.62% → 4.30% → 4.29% → 4.08% → 3.87%
JC \| 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 Reviews (2)
Capital One 360	3.80%	$0	-	Learn More Add Review
Early Withdrawal Penalty is 3 months interest. Rate History: 4.25% → 4.20% → 4.00% → 3.90% → 3.80%
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
Fifth Third Bank, National Association Aloma & Tuscawilla Branch	3.80%	$5,000	-	Learn More
Rate History: 5.10% → 5.20% → 4.50% → 4.00% → 3.80%
Juan Ricardo \| Nov 12, 2018 Helpful w/$ Read More Reviews (5)
Capital One, National Association	3.80%	$0	-	Learn More
Rate History: 4.25% → 4.20% → 4.00% → 3.90% → 3.80%
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)
Barclays Bank Delaware	3.80%	$0	-	Learn More
Rate History: 5.10% → 5.00% → 4.65% → 4.00% → 3.80%
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)
My Savings Direct, a division of Emigrant Bank	3.75%	$1,000	-	Learn More Add Review
Rate History: 1.50% → 2.50% → 4.00% → 3.75%
not perfect but \| 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
Dollar Savings Direct, a division of Emigrant Bank	3.75%	$1,000	-	Learn More Add Review
Rate History: 4.00% → 3.75%
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
Bank of America, National Association Miami International Airport Branch	3.75%	$10,000	-	Learn More
Rate History: 4.00% → 3.75%
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)
Discover Bank	3.70%	$2,500	-	Learn More Add Review
Rate History: 4.35% → 4.25% → 3.90% → 3.70%
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
Synchrony Bank Berryhill Road Branch	3.70%	$0	-	Learn More Add Review
Rate History: 4.80% → 4.40% → 4.20% → 3.90% → 3.70%
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
City National Bank	3.61%	$10,000	-	Learn More Add Review
Rate History: 4.07% → 3.61%
WebBank	3.50%	$2,500	-	Learn More
Rate History: 0.10% → 3.50%
dbestway@gmail.com \| 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 Reviews (2)
Virtualbank, a division of First Horizon Bank	3.35%	$10,000	-	Learn More Add Review
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
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
BMO Alto, a division of Bank of Montreal Harris	3.00%	$0	-	Learn More Add Review
Rate History: 4.70% → 4.50% → 4.30% → 3.90% → 3.00%
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
Citibank, National Association Boca Mizner Branch	3.00%	$0	-	Learn More
Rate History: 4.65% → 3.75% → 3.50% → 3.25% → 3.00%
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)
Clear Sky Accounts	3.00%	$1,000	-	Learn More Add Review
Rate History: 0.65% → 3.25% → 3.00% → 3.20% → 3.00%
ruler009 \| May 26, 2017 Before009 Read More
Bank of Whittier, National Association	2.79%	$1,000	-	Learn More Add Review
Woodforest National Bank 8253 Jacksonville Florida Walmart Br Branch	2.75%	$500	-	Learn More
Rate History: 3.35% → 3.00% → 2.75%
Jabbroadway42 \| Nov 17, 2020 Is notarie services available today at a woodforest on wilkinson blvd Read More Reviews (2)
TD Bank, National Association Stuart Branch	2.75% 0.05%	$10,001 $10,000	-	Learn More
Rate History: 5.00% → 4.50% → 4.00% → 3.00% → 2.75%
Turonemckinney17@gmail.com \| May 19, 2018 Experience Read More Reviews (1)
USAA Federal Savings Bank	2.50%	$1,000	-	Learn More
Rate History: 5.25% → 4.65% → 4.55% → 3.45% → 2.50%
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)
Wells Fargo Bank, National Association Reitz Union Branch	2.00%	$25,000	-	Learn More
Rate History: 2.50% → 2.51% → 2.01% → 2.00%
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)
Amerant Bank, Formerly Mercantil Bank Pinecrest Branch	1.50%	$500	-	Learn More
Rate History: 1.50% → 1.50%
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)
JPMorgan Chase Bank, National Association Miramar & Palm Banking Center Branch	1.50%	$10,000	-	Learn More
Rate History: 3.00% → 2.00% → 1.50%
Hayley7788d@outlook.com \| Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More Reviews (18)
Hingham Savings	1.00%	$1,000	-	Learn More Add Review
Union State Bank Destin Branch	0.75%	$500	-	Learn More Add Review
OptimumBank Galt Ocean Mile Branch	0.75%	$10,000	-	Learn More
nino \| Nov 11, 2021 nino Read More Reviews (1)
Northfield Bank	0.75%	$0	-	Learn More Add Review
Stella \| Apr 30, 2019 No issues. I feel confident using them. Read More
ServisFirst Bank Pensacola Cordova Branch	0.65%	$10,000	-	Learn More Add Review
First Port City Bank	0.55%	$10,000	-	Learn More Add Review
Liberty Savings Bank, F.S.B. Tamiami Trail Branch	0.50%	$10,000	-	Learn More Add Review
United Fidelity Bank, fsb Metro Parkway Branch	0.50%	$10,000	-	Learn More Add Review
Natbank, National Association Natbank, National Association Branch	0.50%	$10,000	-	Learn More Add Review
Surety Bank Surety Bank Branch	0.50%	$10,000	-	Learn More Add Review
FirstBank Puerto Rico Deerfield Beach Office Branch	0.50%	$10,000	-	Learn More
wlsjacobson \| Jul 31, 2017 Outstanding bank, management and client service. Well run and financially very strong Read More Reviews (2)
Third Federal Savings and Loan Association of Cleveland Plantation Branch	0.45%	$500	-	Learn More Add Review
Interamerican Bank, A FSB Interamerican Bank, A Fsb Branch	0.45%	$10,000	-	Learn More Add Review
BankFlorida Firstcity Bank Of Commerce Branch	0.45%	$10,000	-	Learn More Add Review
Mainstreet Community Bank of Florida Orange City Office Branch	0.45%	$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)
CCB Community Bank Ccb - Niceville Branch	0.45%	$500	-	Learn More Add Review
Madison County Community Bank Madison County Community Bank Branch	0.45%	$10,000	-	Learn More Add Review
Amerasia Bank Miami Branch	0.41%	$10,000	-	Learn More
Chang \| Aug 19, 2021 Best Service! Read More Reviews (3)
Helm Bank USA Helm Bank Usa Branch	0.40%	$10,000	-	Learn More Add Review
First National Bank of Wauchula First National Bank Of Wauchula Branch	0.40%	$100,000	-	Learn More Add Review
Cogent Bank Longwood Branch	0.35%	$10,000	-	Learn More Add Review
Banco do Brasil Americas Pompano Beach Branch	0.35%	$100,000	-	Learn More Add Review
Pineland Bank Downtown Fernandina Beach Branch	0.35%	$10,000	-	Learn More Add Review
PeoplesSouth Bank Sneads Branch	0.35%	$10,000	-	Learn More Add Review
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)
First National Bank of Wauchula First National Bank Of Wauchula Branch	0.30%	$10,000	-	Learn More Add Review
Bank of Belle Glade Bank Of Belle Glade Branch	0.30%	$1,000	-	Learn More Add Review
Sunstate Bank Coral Gables Branch	0.30%	$10,000	-	Learn More Add Review
PrimeSouth Bank	0.30%	$10,000	-	Learn More Add Review
First Bank La Belle Branch	0.30%	$10,000	-	Learn More Add Review
Bank of Pensacola Bank Of Pensacola Branch	0.30%	$1	-	Learn More
FloridaDoug \| Aug 5, 2020 They can open a CD only if you are a local or already have an account. Otherwise they will send you an application which you can fill out and send back. If you call and get a message it says "No one is ava... Read More Reviews (1)
FineMark National Bank & Trust Bentley Village Branch	0.30%	$10,000	-	Learn More
jpchamorro \| Apr 5, 2020 great Read More Reviews (1)
First Southern Bank	0.30%	$10,000	-	Learn More Add Review
First National Bank of Pasco Zephyrhills Branch	0.30%	$10,000	-	Learn More Add Review
Banco do Brasil Americas Pompano Beach Branch	0.30%	$10,000	-	Learn More Add Review
FNBT BANK Hulburt Field Branch	0.30%	$10,000	-	Learn More
Mark2 \| Oct 2, 2020 O stars! Horrible bank Read More Reviews (2)
The First National Bank of Mount Dora Sorrento Branch	0.25%	$10,000	-	Learn More Add Review
Community Bank of the South Community Bank Of The South Branch	0.25%	$10,000	-	Learn More Add Review
Grove Bank & Trust South Miami Branch	0.25%	$10,000	-	Learn More Add Review
Heartland National Bank Avon Park Branch	0.25%	$1,000	-	Learn More Add Review
South State Bank, National Association University Parkway Branch	0.25%	$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)
Desjardins Bank, National Association Lauderhill Branch	0.25%	$100,000	-	Learn More Add Review
Academy Bank, National Association Jacksonville Branch	0.25%	$10,000	-	Learn More
Fran1 \| Feb 4, 2020 Academy was great helping me open a new account Read More Reviews (5)
Intracoastal Bank Intracoastal Bank Branch	0.25%	$100,000	-	Learn More Add Review
Millennium Bank	0.25%	$10,000	-	Learn More Add Review
City National Bank of Florida Biscayne Tower Branch	0.23%	$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)
Marine Bank & Trust Company Sebastian Branch	0.20%	$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
Wauchula State Bank Interlake Boulevard Branch	0.20%	$10,000	-	Learn More Add Review
MidWestOne Bank Naples - Branch 19	0.20%	$10,000	-	Learn More Add Review
Armed Forces Bank, National Association Macdill Afb Branch	0.20%	$10,000	-	Learn More
BENNIE BROOKS \| Mar 25, 2015 OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More Reviews (2)
The Bank of Tampa Downtown Branch	0.20%	$100,000	-	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)
MidSouth Bank Panama City Branch	0.20%	$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)
Trustmark National Bank Banktrust Florida Branch	0.20%	$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)
First Federal Bank South Ohio Avenue Branch	0.18%	$100,000	-	Learn More Add Review
Community Bank of Mississippi Crestview Branch	0.16%	$10,000	-	Learn More Add Review
Purepoint MUFG Union	0.15%	$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
1st Source Bank Sarasota Banking Center Branch	0.15%	$2,500	-	Learn More Add Review
American Momentum Bank Pelican Bay Branch	0.15%	$10,000	-	Learn More Add Review
Sunrise Bank Sunrise Bank Branch	0.15%	$10,000	-	Learn More Add Review
Seacoast National Bank Palm Beach Community Bank Branch	0.15%	$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)
United Southern Bank Lake Port Square Branch	0.15%	$1,000	-	Learn More Add Review
Desjardins Bank, National Association Lauderhill Branch	0.15%	$10,000	-	Learn More Add Review
BankPlus	0.15%	$1,000	-	Learn More Add Review
Lafayette State Bank Lafayette State Bank Branch	0.15%	$10,000	-	Learn More Add Review
Southeastern Bank Callahan Branch	0.15%	$10,000	-	Learn More Add Review
Renasant Bank Ocala State Road 200 Branch	0.15%	$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	0.15%	$10,000	-	Learn More Add Review
First Federal Bank South Ohio Avenue Branch	0.12%	$10,000	-	Learn More Add Review
Sunwest Bank	0.10%	$100	-	Learn More
william \| Apr 10, 2022 these are the absolute worst rates in history--a 5 year old could see that--either wake up or close your doors to legitimate customers! Read More Reviews (1)
First Horizon Bank Key Largo Branch	0.10%	$1,000	-	Learn More
D R Lineberger \| Dec 30, 2018 Garden14 Read More Reviews (1)
Anthem Bank & Trust Anthem Bank & Trust Branch	0.10%	$10,000	-	Learn More Add Review
First American Bank 95 Merrick Way Br Branch	0.10%	$10,000	-	Learn More Add Review
Southeast First National Bank Hutchison Boulevard Branch	0.10%	$10,000	-	Learn More Add Review
The Bank of Tampa Downtown Branch	0.10%	$10,000	-	Learn More Add Review
Intracoastal Bank Intracoastal Bank 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)
Capital City Bank Bank Link Branch	0.08%	$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)
KeyBank National Association Naples Branch	0.05%	$2,500	-	Learn More
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)
BMO Bank National Association Bonita Beach Road Office Branch	0.05%	$1,000	-	Learn More
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)
Sanibel Captiva Community Bank Mcgregor Branch	0.05%	$10,000	-	Learn More Add Review
Citizens Bank and Trust Winterset Branch	0.05%	$10,000	-	Learn More Add Review
Bank OZK Gulfport Boulevard Branch	0.05%	$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)
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)
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)
OneWest Bank, a division of First-Citizens Bank and Trust	0.01%	$500	-	Learn More Add Review
First-Citizens Bank & Trust Company Health Park Branch	0.01%	$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)

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

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

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

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Florida CD Rates – 6-Month

Branches Info around zip 10007

PRODUCT INFORMATION

6 Month Branch Certificates of Deposit 2025

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

The disadvantages of six month CDs are:

SAVINGS & CD CALCULATOR

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