Best 9-Month CD Rates in Florida, FL

You are viewing rates from banks across Florida

Below are the best nine-month CD Rates from banks with branches in Florida. Nine-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 9 month CD if you are concerned about savings rates dropping and don’t mind locking up your money for nine months.

FL - July 30, 2025

Banks	APY	MIN	MILES ^?
Axiom Bank, National Association St Cloud Branch	5.15%	$500	-	Learn More
Sara Jennings \| Dec 26, 2021 SJennings Read More Reviews (4)
Stearns Bank National Association St Petersburg Branch	5.06%	$2,500	-	Learn More Add Review
Rate History: 5.23% → 5.35% → 5.06%
Amerant Bank, Formerly Mercantil Bank Pinecrest Branch	5.00%	$500	-	Learn More
Rate History: 1.50% → 1.50% → 5.00%
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)
Brilliant Bank, a division of Equity Bank	4.55%	$1,000	-	Learn More Add Review
Rate History: 5.10% → 5.05% → 4.55%
Jason T \| May 30, 2023 They really do pay this amount, but the account lacks any functionality and they are constantly looking for some sort of add-on fee to enable them to claw back the interest. Any bank with a higher rate an... Read More
Comerica Bank Naples Branch	4.50%	$2,500	-	Learn More
Rate History: 4.75% → 4.50%
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)
Pacific National Bank Pacific National Bank Branch	4.45%	$1,000	-	Learn More Add Review
Rate History: 5.00% → 4.75% → 4.65% → 4.50% → 4.45%
Canadian Imperial Bank USA	4.31%	$1,000	-	Learn More Add Review
Rate History: 4.61% → 4.63% → 4.43% → 4.51% → 4.31%
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
Citibank, National Association Boca Mizner Branch	4.25%	$0	-	Learn More
Rate History: 3.75% → 2.50% → 4.10% → 3.00% → 4.25%
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)
Forbright Bank	4.25%	$1,000	-	Learn More
Rate History: 4.75% → 4.50% → 4.25% → 4.00% → 4.25%
lrcbob \| Jul 26, 2024 Multiple roadblocks trying to set up a savings account with Forbright and my application was ultimately declined, in spite of my multiple CDs among three banks, stock investments, eleven credit cards, and ... Read More Reviews (2)
Bask Bank, a division of Texas Capital Bank	4.25%	$1,000	-	Learn More Add Review
Rate History: 4.30% → 4.50% → 4.40% → 4.35% → 4.25%
smithy1968 \| Apr 20, 2024 Save your tears for another day. Very frustrating. 1-star. Read More
Goldman Sachs Bank	4.20%	$500	-	Learn More Add Review
Rate History: 4.00% → 4.20% → 4.10% → 4.30% → 4.20%
A Terkowitz \| Feb 15, 2024 best bank on the list but no longer the most competitive Read More
Sallie Mae Bank	4.20%	$2,500	-	Learn More
Rate History: 4.70% → 4.60% → 4.60% → 4.00% → 4.20%
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)
Merrick Bank	4.20%	$25,000	-	Learn More
Rate History: 4.30% → 4.25% → 4.35% → 4.15% → 4.20%
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	4.15%	$10,000	-	Learn More Add Review
Warning: Early withdrawal penalty is 4% of principal withdrawn. Rate History: 4.20% → 4.00% → 3.75% → 3.50% → 4.15%
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
M.Y. Safra Bank	4.15%	$500	-	Learn More
Rate History: 2.25% → 4.95%
Richard \| Jul 1, 2022 Very easy opening process and wonderful staff. Read More Reviews (6)
Charles Schwab Bank, SSB	4.12%	$1,000	-	Learn More
Rate History: 4.27% → 4.28% → 4.27% → 4.32% → 4.12%
kenbeckyreese@icloud.com \| Feb 12, 2020 WILL YOU CASH MY EE SAVINGS BONDS? PLEASE ADVSE. Read More Reviews (5)
Hingham Savings	4.00%	$1,000	-	Learn More Add Review
Northern Bank Direct	4.00%	$500	-	Learn More Add Review
Warning: Early Withdrawal Penalty is 6 months interest. Rate History: 5.00% → 5.50% → 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
First Foundation Bank	4.00%	$2,500	-	Learn More
Rate History: 5.00% → 4.75% → 4.40% → 4.10% → 4.00%
james \| Nov 18, 2023 bank delayed 1-2days to credit into your account, pay less interest. Read More Reviews (32)
Barclays Bank Delaware	4.00%	$0	-	Learn More
Rate History: 4.25% → 4.00% → 3.80% → 4.10% → 4.00%
LenaL \| May 2, 2022 Barclays is the worst. Transfer speeds even worse than Synchrony now. Service is worse than anything. Save yourself the trouble of getting sucked into rates that are sometimes competitive and choose anythi... Read More Reviews (33)
Discover Bank	4.00%	$2,500	-	Learn More Add Review
Rate History: 5.10% → 4.40% → 4.00% → 3.80% → 4.00%
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	3.90%	$0	-	Learn More Add Review
Early Withdrawal Penalty is 90 days interest. Rate History: 4.50% → 4.05% → 4.30% → 4.00% → 3.90%
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
Ally Bank	3.90%	$0	-	Learn More Add Review
Rate History: 4.50% → 4.20% → 4.10% → 4.00% → 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
Bread Savings, a division of Bread Financial	3.80%	$1,500	-	Learn More Add Review
m abram \| Jul 4, 2025 Bread's current 6-month CD is 4.45%, not 4.35%. Read More
Capital One 360	3.80%	$0	-	Learn More Add Review
Rate History: 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
TIAA Bank / Everbank	3.80%	$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% → 4.00% → 4.10% → 3.80%
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
Banesco USA Doral Boulevard Branch	3.80%	$1,000	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 4.40% → 4.30% → 4.25% → 4.00% → 3.80%
Dkplan \| Dec 27, 2022 They gave a hard time with their cashier's check. They returned my deposited check that was emitted by them. Could you believe? Read More Reviews (8)
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)
BankUnited, National Association Coral Gables Branch	3.75%	$1,000	-	Learn More Add Review
Rate History: 0.10% → 3.50% → 3.75% → 4.15% → 3.75%
TD Bank, National Association Stuart Branch	3.75% 1.00%	$10,000 $10,001	-	Learn More
Turonemckinney17@gmail.com \| May 19, 2018 Experience Read More Reviews (1)
Virtualbank, a division of First Horizon Bank	3.56%	$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
United Community Bank	3.50%	$2,500	-	Learn More
Rate History: 4.00% → 4.20% → 3.95% → 3.75% → 3.50%
raymond denmark \| Nov 5, 2018 1years Read More Reviews (1)
U.S. Bank National Association Naples Pcr Branch	3.40% 0.05%	$1,000 $500	-	Learn More
Rate History: 4.75% → 4.50% → 4.00% → 3.70% → 3.40%
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)
City National Bank	3.04%	$10,000	-	Learn More Add Review
Rate History: 1.00% → 3.56% → 3.04%
USAA Federal Savings Bank	2.25%	$1,000	-	Learn More
Rate History: 5.00% → 4.50% → 4.40% → 3.20% → 2.25%
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)
USAA Federal Savings Bank	2.00%	$1,000	-	Learn More Add Review
Rate History: 4.75% → 3.20% → 2.00%
Azblondie007 \| Feb 24, 2020 I had been with USAA for 20 years. Had my checking, savings, auto and renters insurance and 2 credit cards with them. I work in the service industry and make a good portion of my income in cash tips. For 4... Read More
Santander Bank, N.A.	2.00%	$501	-	Learn More
Maggie \| May 11, 2023 They made mistakes twice and would not correct them Read More Reviews (6)
JPMorgan Chase Bank, National Association Miramar & Palm Banking Center Branch	2.00%	$10,000	-	Learn More
Rate History: 4.75% → 4.50% → 4.00% → 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)
Hingham Institution for Savings	1.00%	$1,000	-	Learn More Add Review
Rate History: 4.80% → 4.50% → 4.39% → 4.30% → 1.00%
OneUnited Bank 79th Street Branch	0.15%	$1,000	-	Learn More Add Review
PNC Bank, National Association West Sebastian Branch	0.05%	$1,000	-	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 Montreal Harris	0.05%	$1,000	-	Learn More Add Review
GAM \| Jul 28, 2020 Dropped rates again with restrictive transfer limits and poor service. Better rates and liquidity elsewhere. Beware!!! 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
Stearns Bank National Association St Petersburg Branch	7555 Dr. Martin Luther King, Jr. Street North	Saint Petersburg	FL
Amerant Bank, Formerly Mercantil Bank Pinecrest Branch	9350 South Dixie Hwy	Miami	FL
Comerica Bank Naples Branch	3001 Tamiami Trl Ste 100	Naples	FL
Pacific National Bank Pacific National Bank Branch	1390 Brickell Avenue	Miami	FL
Citibank, National Association Boca Mizner Branch	700 South Federal Highway	Boca Raton	FL
Synchrony Bank Berryhill Road Branch	5907 Berryhill Road	Milton	FL
Banesco USA Doral Boulevard Branch	9500 Nw 41 Street	Doral	FL
BankUnited, National Association Coral Gables Branch	999 Ponce De Leon Boulevard	Coral Gables	FL
TD Bank, National Association Stuart Branch	989 South Federal Highway	Stuart	FL
U.S. Bank National Association Naples Pcr Branch	9105 Strada Place, Suite 3200	Naples	FL
JPMorgan Chase Bank, National Association Miramar & Palm Banking Center Branch	9999 Miramar Pkwy	Miramar	FL
TD Bank, National Association Stuart Branch	989 South Federal Highway	Stuart	FL
OneUnited Bank 79th Street Branch	3275 N.W. 79th Street	Miami	FL
PNC Bank, National Association West Sebastian Branch	993 Sebastian Boulevard	Sebastian	FL
U.S. Bank National Association Naples Pcr Branch	9105 Strada Place, Suite 3200	Naples	FL