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 - October 4, 2026

Banks	APY	MIN	MILES ^?
Morgan Stanley Private Bank (Offered through ETrade)	4.40%	$0	-	Learn More Add Review
Rate History: 4.10% → 4.20% → 4.35% → 4.40%
FROZE-ACCOUNT \| Jan 10, 2024 Account was frozen (over 400K) after they confused our account with another account / person whose name was not even very similar. We were treated like dirt after 12 years and "Guilty until Innocent". I ha... Read More
Charles Schwab Bank, SSB	4.37%	$1,000	-	Learn More
Rate History: 3.92% → 4.07% → 4.02% → 3.97% → 4.37%
[email protected] \| Feb 12, 2020 WILL YOU CASH MY EE SAVINGS BONDS? PLEASE ADVSE. Read More Reviews (5)
Goldman Sachs Bank	4.30%	$500	-	Learn More Add Review
Rate History: 4.05% → 4.05% → 4.00% → 4.10% → 4.30%
A Terkowitz \| Feb 15, 2024 best bank on the list but no longer the most competitive Read More
Bread Savings, a division of Bread Financial	4.30%	$1,500	-	Learn More Add Review
Rate History: 4.15% → 4.25% → 4.40% → 4.25% → 4.30%
lrcbob \| Jul 26, 2024 Multiple roadblocks trying to set up a savings account with Bread Financial, even though I already have a CD with them. My application was ultimately declined, in spite of my multiple CDs among three banks... Read More
BTG Pactual Bank	4.20%	$500	-	Learn More
Rate History: 2.25% → 4.95% → 4.15% → 3.99%
Richard \| Jul 1, 2022 Very easy opening process and wonderful staff. Read More Reviews (6)
Canadian Imperial Bank USA	4.20%	$1,000	-	Learn More Add Review
Rate History: 3.86% → 4.00% → 3.90% → 4.00% → 4.20%
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
Bask Bank, a division of Texas Capital Bank	4.20%	$1,000	-	Learn More Add Review
Rate History: 3.95% → 3.85% → 4.00% → 4.05% → 4.20%
TJ Boone \| Jun 2, 2026 Opened an account with Bask several years ago for all of American Airlines miles when rates were close to zero. At some point I switched to an interest bearing account and then at some point I moved to an... Read More
Barclays Bank Delaware	4.15%	$0	-	Learn More
Rate History: 3.75% → 3.50% → 3.85% → 4.00% → 4.15%
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)
Synchrony Bank Berryhill Road Branch	4.15%	$0	-	Learn More Add Review
Early Withdrawal Penalty is 90 days interest. Rate History: 4.00% → 3.70% → 3.80% → 3.90% → 4.15%
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
Pacific National Bank Pacific National Bank Branch	4.05%	$1,000	-	Learn More Add Review
Rate History: 4.30% → 3.90% → 4.20% → 4.00% → 4.05%
Merrick Bank	4.05%	$25,000	-	Learn More
Rate History: 4.05% → 3.85% → 3.95% → 4.05% → 4.05%
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)
Vio Bank, A Division of MidFirst Bank	4.05%	$500	-	Learn More Add Review
2 Months with Vio Bank \| Sep 4, 2025 And I discovered that they play bait and switch and have no problems lying. This system won't let me give it zero or negative stars so I have given it one, but that is at least one too many. Read More
Regions Bank Ft Lauderdale Branch	4.00% 3.75%	$501 $500	-	Learn More Add Review
Rate History: 4.35% → 4.00% → 3.70% → 3.50% → 4.00%
CIBC Bank USA	4.00%	$1,000	-	Learn More
Rate History: 3.90% → 4.00%
me \| Oct 13, 2021 Good for savers. Easy to transfer funds in and out, not paying high transaction processing $ or being limited to low amounts per day. Does not subject applicants to very much ID interrogation and apparent... Read More Reviews (6)
Brilliant Bank, a division of Equity Bank	4.00%	$1,000	-	Learn More Add Review
Rate History: 5.05% → 4.55% → 4.35% → 4.06% → 4.00%
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
Ally Bank	4.00%	$0	-	Learn More Add Review
Rate History: 3.60% → 3.30% → 3.75% → 3.90% → 4.00%
Rad \| Aug 13, 2023 Been a customer for a couple of years now with interesting checking, been a happy customer. They give you a $10 reimbursement on atm fees per statement cycle. They pay you to leave your money there curre... Read More
Capital One, National Association	3.75%	$0	-	Learn More
Rate History: 3.90% → 3.80% → 3.50% → 3.20% → 3.75%
Robert B \| May 19, 2026 I have read these reviews and noticed how old they are. My experience with Capital One has been very good. I have had CDs and savings accounts. All of my transactions have been on line. I have enjoyed usin... Read More Reviews (15)
Forbright Bank	3.75%	$1,000	-	Learn More
Rate History: 4.00% → 4.25% → 3.75% → 4.15% → 3.75%
John N. Maclean \| Jul 5, 2024 I took out a substantial CD with Forbright, a small bank that tries hard. At the time, it was the highest rate around. The bank officer I dealt with most, Walid, knocked himself out to be helpful and get t... Read More Reviews (1)
Capital One 360	3.75%	$0	-	Learn More Add Review
Rate History: 3.50% → 3.75% → 3.70% → 3.20% → 3.75%
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
Discover Bank	3.75%	$5,000	-	Learn More Add Review
Rate History: 3.70% → 3.70% → 3.20% → 3.20% → 3.75%
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
Axiom Bank, National Association St Cloud Branch	3.60%	$500	-	Learn More
Rate History: 5.15% → 3.60%
Sara Jennings \| Dec 26, 2021 SJennings Read More Reviews (4)
Hingham Savings	3.57%	$1,000	-	Learn More Add Review
Rate History: 3.75% → 3.70% → 3.64% → 3.60% → 3.57%
BankUnited, National Association Coral Gables Branch	3.50%	$1,000	-	Learn More Add Review
Rate History: 3.50% → 3.75% → 4.15% → 3.75% → 3.50%
Santander Bank, N.A.	3.50%	$501	-	Learn More
Rate History: 2.00% → 3.50%
Maggie \| May 11, 2023 They made mistakes twice and would not correct them Read More Reviews (6)
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)
Northern Bank Direct	3.50%	$500	-	Learn More Add Review
Warning: Early Withdrawal Penalty is 6 months interest. Rate History: 4.00% → 3.75% → 3.50% → 4.15% → 3.50%
Mike Brown \| Jul 6, 2023 This is an example of a bad bank. Their online process for purchasing a CD is horrible. You fill it out and it rejects it after all of your private information is disclosed. They there customer service is ... Read More
TD Bank, National Association Stuart Branch	3.49%	$10,001	-	Learn More
Rate History: 4.00% → 1.00% → 3.09% → 1.99% → 3.49%
[email protected] \| May 19, 2018 Experience Read More Reviews (1)
EverBank, National Association Normandy Branch	3.40%	$1,000	-	Learn More
Rate History: 3.80% → 3.70% → 3.60% → 3.50% → 3.40%
Jackie \| Jun 2, 2015 This bank is run by masters of deception with all of their silly products aimed to cheating people out of their hard earned money. I bet that every one in the management suite has a rap sheet. I wouldn't... Read More Reviews (1)
TIAA Bank / Everbank	3.40%	$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: 3.80% → 3.70% → 3.60% → 3.50% → 3.40%
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
Amerant Bank, Formerly Mercantil Bank Pinecrest Branch	3.25%	$500	-	Learn More
Rate History: 1.50% → 1.50% → 5.00% → 3.25%
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)
Virtualbank, a division of First Horizon Bank	3.25%	$10,000	-	Learn More Add Review
Rate History: 3.56% → 3.25%
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
Sallie Mae Bank	3.20%	$2,500	-	Learn More
Rate History: 3.90% → 4.10% → 3.80% → 3.70% → 3.20%
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)
Sallie Mae Bank	3.20%	$2,500	-	Learn More Add Review
Banesco USA Doral Boulevard Branch	3.15%	$1,000	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 4.00% → 3.80% → 3.50% → 3.25% → 3.15%
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)
City National Bank of Los Angeles. California	2.84%	$10,000	-	Learn More Add Review
Rate History: 2.27% → 2.25% → 2.27% → 3.30% → 2.84%
USAA Federal Savings Bank	2.00%	$1,000	-	Learn More
Rate History: 4.50% → 4.40% → 3.20% → 2.25% → 2.00%
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)
Citibank, National Association Boca Mizner Branch	2.00%	$0	-	Learn More
Rate History: 3.25% → 3.20% → 3.00% → 2.00% → 2.00%
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)
USAA Federal Savings Bank	2.00%	$1,000	-	Learn More Add Review
Rate History: 4.75% → 3.20% → 2.00% → 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
PNC Bank, National Association West Sebastian Branch	1.90%	$1,000	-	Learn More
Rate History: 0.05% → 1.90%
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)
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
KeyBank National Association Naples Branch	0.05%	$10,000	-	Learn More
Rate History: 5.00% → 4.75% → 4.00% → 3.50% → 0.05%
Seeko \| Mar 28, 2023 On line banking gives a confirmation number when paying bills. But it doesn’t confirm that the bill will be paid only that they have the information. Ridiculous. Read More Reviews (2)
U.S. Bank National Association Naples Pcr Branch	0.05%	$500	-	Learn More
Ugg \| Jun 12, 2023 US Bank reported me to dult Protective Services because my husband is 85 and I am63. He got sick and went into a nursing hime for 3 months. My husband always handled the financial affairs. I had to take ov... Read More Reviews (2)
Bank of Montreal Harris	0.05%	$1,000	-	Learn More Add Review
Rate History: 0.05% → 0.05% → 0.05%
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 10116

Branch	Street	City	State
Synchrony Bank Berryhill Road Branch	5907 Berryhill Road	Milton	FL
Pacific National Bank Pacific National Bank Branch	1390 Brickell Avenue	Miami	FL
Regions Bank Ft Lauderdale Branch	100 Se 3rd Avenue	Fort Lauderdale	FL
Regions Bank Ft Lauderdale Branch	100 Se 3rd Avenue	Fort Lauderdale	FL
Axiom Bank, National Association St Cloud Branch	4400 13th St	Saint Cloud	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
EverBank, National Association Normandy Branch	7749 Normandy Blvd	Jacksonville	FL
Amerant Bank, Formerly Mercantil Bank Pinecrest Branch	9350 South Dixie Hwy	Miami	FL
Banesco USA Doral Boulevard Branch	9500 Nw 41 Street	Doral	FL
Citibank, National Association Boca Mizner Branch	700 South Federal Highway	Boca Raton	FL
PNC Bank, National Association West Sebastian Branch	993 Sebastian Boulevard	Sebastian	FL
OneUnited Bank 79th Street Branch	3275 N.W. 79th Street	Miami	FL
KeyBank National Association Naples Branch	3777 Tamiami Trail North	Naples	FL
U.S. Bank National Association Naples Pcr Branch	9105 Strada Place, Suite 3200	Naples	FL