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Image Courtesy: www.pixabay.com
You are viewing rates from banks across Florida
Below are special Certificate of Deposit special rates and terms from banks in Florida. Special CD offers can change weekly so check back frequently for updates. You can also view specials for banks in your local area or for credit unions in your area.
FL - October 4, 2026
| Bank | APY | MIN | PERIOD | |
|---|---|---|---|---|
|
Sarasota Banking Center Branch
|
5.05% | $500 | 11 months |
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|
|
American Commerce Bank, National Association Probank Branch |
4.56% | $1,000 | 11 months |
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|
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|
4.50% | $5,000 | 13 months |
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|
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Rate History: 4.20% → 3.50% → 3.75% → 4.00% → 4.50% |
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|
Sarasota Banking Center Branch
|
4.50% | $500 | 17 months |
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|
|
4.40% | $0 | 10 months |
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|
|
Finworth, a division of InsBank Gulfport Boulevard Branch |
4.35% | $50,000 | 22 months |
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|
|
Rate History: 3.95% → 3.90% → 3.50% → 3.20% → 4.35% |
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|
Pacific National Bank Branch
|
4.30% | $1,000 | 12 months |
Learn More
|
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Rate History: 4.25% → 3.85% → 4.10% → 4.25% → 4.30% |
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4.30% | $1,000 | 13 months |
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|
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Rate History: 3.81% → 3.71% → 3.90% → 4.00% → 4.30% |
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|
Berryhill Road Branch
|
4.30% | $0 | 14 months |
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|
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Warning: This special term CD carries an early withdrawal penalty of 180 days interest, whereas the bank's 12-month CD is only very slight lower and has an early withdrawal penalty of 90 days interest. |
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4.30% | $10,000 | 18 months |
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|
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Warning: Early withdrawal penalty is 4% of principal withdrawn. |
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|
|
4.25%
3.75% 3.50% 3.00% 2.80% 2.70% 2.50% 3.75%3.50% 3.00% 2.80% 2.70% 2.50% |
$1,000
$1,000 $1,000 $1,000 $1,000 $1,000 $1,000 |
13 months |
Learn More
|
|
Rate History: 2.00% → 2.00% → 2.00% → 3.50% → 4.25% |
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|
4.25% | $10,000 | 15 months |
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Rate History: 3.50% → 4.00% → 3.50% → 4.00% → 4.25% |
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|
Pacific National Bank Branch
|
4.20% | $1,000 | 6 months |
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Rate History: 4.45% → 3.95% → 4.15% → 3.95% → 4.20% |
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|
Metro Parkway Branch
|
4.20% | $1,000 | 6 months |
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|
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Gulfport Boulevard Branch
|
4.20% | $1,000 | 7 months |
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|
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Rate History: 5.00% → 4.20% |
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|
Busey Bank, Na Branch
|
4.15% | $1,000 | 11 months |
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|
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Rate History: 5.10% → 4.75% → 4.40% → 4.25% → 4.15% |
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|
Metro Parkway Branch
|
4.15% | $1,000 | 60 months |
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|
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|
4.11% | $10,001 | 6 months |
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|
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Rate History: 3.00% → 3.82% → 3.92% → 4.00% → 4.11% |
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4.10% | $1,000 | 13 months |
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Rate History: 4.10% → 4.30% → 3.60% → 3.60% → 4.10% |
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|
4.10% | $1,000 | 22 months |
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Rate History: 2.75% → 4.00% → 3.80% → 3.55% → 4.10% |
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|
Metro Parkway Branch
|
4.10% | $1,000 | 24 months |
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|
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Vio Bank, A Division of MidFirst Bank |
4.05% | $500 | 9 months |
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|
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Metro Parkway Branch
|
4.05% | $1,000 | 10 months |
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|
|
|
4.03% | $500 | 7 months |
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|
|
Rate History: 3.30% → 4.03% |
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|
Destin Branch
|
4.01% | $500 | 11 months |
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|
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Crestview Southside Branch
|
4.00% | $1,000 | 3 months |
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|
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Rate History: 5.00% → 4.50% → 4.25% → 4.00% |
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|
4.00% | $10,000 | 4 months |
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|
|
First-Citizens Bank & Trust Company Health Park Branch |
4.00% | $5,000 | 5 months |
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|
|
Rate History: 3.65% → 3.55% → 3.45% → 2.50% → 4.00% |
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|
OneWest Bank, a division of First-Citizens Bank and Trust |
4.00% | $5,000 | 5 months |
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|
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Ocala State Road 200 Branch
|
4.00% | $1,000 | 7 months |
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|
|
Rate History: 5.25% → 5.00% → 4.75% → 4.25% → 4.00% |
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|
EverBank, National Association Normandy Branch |
4.00% | $1,000 | 7 months |
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|
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Rate History: 4.00% → 3.90% → 3.80% → 3.70% → 4.00% |
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|
|
4.00% | $2,500 | 7 months |
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|
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Rate History: 4.65% → 4.50% → 4.45% → 4.20% → 4.00% |
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|
8253 Jacksonville Florida Walmart Br Branch
|
4.00% | $500 | 8 months |
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|
|
Rate History: 4.75% → 4.50% → 4.00% → 3.75% → 4.00% |
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|
4.00% | $5,000 | 8 months |
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|
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Rate History: 4.00% → 4.00% → 3.75% → 3.75% → 4.00% |
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|
Ft Lauderdale Branch
|
4.00%
3.75% 3.75% |
$501
$500 |
9 months |
Learn More
|
|
Rate History: 4.35% → 4.00% → 3.70% → 3.50% → 4.00% |
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|
|
4.00%
3.80% 3.75% 3.80%3.75% |
$500
$500 $500 |
11 months |
Learn More
|
|
Rate History: 3.90% → 4.05% → 3.95% → 3.80% → 4.00% |
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|
Rising Bank, a division of Midwest BankCentre |
4.00% | $1,000 | 15 months |
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|
|
Early Withdrawal Penalty is 180 days interest. |
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|
Brilliant Bank, a division of Equity Bank |
4.00% | $1,000 | 15 months |
Learn More
|
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Rate History: 4.85% → 4.35% → 4.30% → 4.06% → 4.00% |
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|
|
3.95% | $5,000 | 11 months |
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|
|
11-Month No Penalty CD |
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CIT Bank, a division of First-Citizens Bank and Trust |
3.90% | $1,000 | 11 months |
Learn More
|
|
Account cannot be closed online. Requires reaching phone representative to close. |
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|
North American Savings Bank, F.S.B. |
3.90% | $1,000 | 14 months |
Learn More
|
|
Rate History: 4.81% → 3.98% → 3.90% |
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|
|
3.85% | $500 | 10 months |
Learn More
|
|
Rate History: 4.50% → 5.00% → 4.50% → 3.00% → 3.85% |
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|
Vio Bank, A Division of MidFirst Bank |
3.80% | $500 | 4 months |
Learn More
|
|
Rate History: 3.90% → 3.80% |
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|
Bank of America, National Association Miami International Airport Branch |
3.80%
3.51% 3.51% |
$100,000
$10,000 |
7 months |
Learn More
|
|
Rate History: 3.75% → 3.51% → 3.25% → 3.80% → 3.80% |
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|
Gulfport Boulevard Branch
|
3.80% | $1,000 | 13 months |
Learn More
|
|
Rate History: 5.50% → 3.80% |
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|
Fifth Third Bank, National Association Aloma & Tuscawilla Branch |
3.75% | $5,000 | 3 months |
Learn More
|
|
Rate History: 3.80% → 4.00% → 3.40% → 3.80% → 3.75% |
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|
|
3.75% | $2,500 | 6 months |
Learn More
|
|
Rate History: 5.15% → 4.00% → 3.85% → 4.25% → 3.75% |
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|
|
3.75% | $500 | 7 months |
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|
|
Early withdrawal penalty is 180 days interest. |
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|
Dadeland Branch
|
3.75% | $1,000 | 7 months |
Learn More
|
|
Rate History: 5.05% → 5.15% → 5.30% → 4.95% → 3.75% |
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|
Citizens Bank, National Association |
3.75% | $25,000 | 8 months |
Learn More
|
|
Rate History: 4.15% → 3.65% → 4.00% → 3.75% |
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|
OneWest Bank, a division of First-Citizens Bank and Trust |
3.75% | $5,000 | 11 months |
Learn More
|
|
First-Citizens Bank & Trust Company Health Park Branch |
3.75% | $5,000 | 11 months |
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|
|
|
3.75% | $1,000 | 13 months |
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|
|
Rate History: 3.30% → 2.65% → 2.95% → 3.30% → 3.75% |
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|
Wells Fargo Bank, National Association Reitz Union Branch |
3.74% | $2,500 | 7 months |
Learn More
|
|
Rate History: 3.64% → 3.75% → 3.50% → 3.24% → 3.74% |
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|
Dadeland Branch
|
3.70% | $1,000 | 13 months |
Learn More
|
|
Rate History: 5.10% → 4.90% → 5.25% → 5.00% → 3.70% |
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|
|
3.70% | $1,001 | 13 months |
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|
|
Ocala State Road 200 Branch
|
3.65% | $10,000 | 5 months |
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|
|
Rate History: 1.00% → 5.00% → 4.00% → 3.90% → 3.65% |
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|
BankUnited, National Association Coral Gables Branch |
3.65% | $1,000 | 6 months |
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|
|
Rate History: 4.50% → 4.35% → 4.25% → 4.00% → 3.65% |
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|
Destin Branch
|
3.65% | $500 | 7 months |
Learn More
|
|
Rate History: 4.85% → 4.64% → 4.24% → 0.55% → 3.65% |
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|
Third Federal Savings and Loan Association of Cleveland Plantation Branch |
3.65% | $500 | 11 months |
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|
|
|
3.65% | $1,000 | 25 months |
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|
|
Rate History: 3.55% → 3.50% → 3.40% → 3.55% → 3.65% |
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|
Wells Fargo Bank, National Association Reitz Union Branch |
3.64% | $2,500 | 15 months |
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|
|
Rate History: 3.74% → 3.64% |
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|
|
3.60% | $1,000 | 7 months |
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|
|
Rate History: 3.80% → 3.70% → 4.00% → 4.10% → 3.60% |
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|
Wells Fargo Bank, National Association Reitz Union Branch |
3.59% | $2,500 | 11 months |
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|
|
Rate History: 3.75% → 3.50% → 3.25% → 2.99% → 3.59% |
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|
Brandon Branch
|
3.55% | $500 | 3 months |
Learn More
|
|
Rate History: 4.50% → 4.00% → 4.00% → 3.55% |
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|
Ocala State Road 200 Branch
|
3.55% | $10,000 | 11 months |
Learn More
|
|
Rate History: 4.25% → 4.75% → 4.25% → 3.75% → 3.55% |
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|
Palm Beach Community Bank Branch
|
3.50% | $1,000 | 7 months |
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|
|
Rate History: 3.90% → 3.50% → 3.25% → 3.00% → 3.50% |
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|
Fifth Third Bank, National Association Aloma & Tuscawilla Branch |
3.50% | $5,000 | 7 months |
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|
|
Rate History: 4.50% → 4.20% → 3.50% → 3.20% → 3.50% |
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|
Naples Branch
|
3.50% | $50,000 | 12 months |
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|
|
PNC Bank, National Association West Sebastian Branch |
3.50% | $1,000 | 13 months |
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|
|
|
3.50% | $2,500 | 23 months |
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|
|
Rate History: 1.00% → 3.50% |
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|
|
3.50% | $10,000 | 24 months |
Learn More
|
|
Warning: Early withdrawal penalty is 4% of principal withdrawn. |
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|
Crestview Southside Branch
|
3.49% | $1,000 | 5 months |
Learn More
|
|
Rate History: 5.00% → 4.50% → 4.15% → 3.75% → 3.49% |
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|
Maitland Branch
|
3.40% | $500 | 6 months |
Learn More
|
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Rate History: 3.45% → 3.40% → 3.50% → 3.45% → 3.40% |
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|
|
3.40% | $1,000 | 7 months |
Learn More
|
|
Rate History: 4.03% → 3.85% → 3.51% → 3.30% → 3.40% |
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|
Dadeland Branch
|
3.40% | $1,000 | 19 months |
Learn More
|
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Rate History: 4.75% → 4.60% → 4.45% → 4.30% → 3.40% |
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Dadeland Branch
|
3.35% | $1,000 | 4 months |
Learn More
|
|
Rate History: 4.80% → 5.00% → 5.35% → 4.90% → 3.35% |
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|
3.35%
3.25% 3.15% 3.10% 3.00% 3.25%3.15% 3.10% 3.00% |
$1,000
$1,000 $1,000 $1,000 $1,000 |
59 months |
Learn More
|
|
Rate History: 2.50% → 2.50% → 2.75% → 3.00% → 3.35% |
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|
My e-Banc, a division of Bradesco BAC Florida Bank |
3.30% | $100,000 | 11 months |
Learn More
|
|
Two withdrawals allowed without penalty. |
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Palm Beach Community Bank Branch
|
3.25% | $1,000 | 3 months |
Learn More
|
|
Rate History: 4.10% → 4.00% → 3.75% → 3.50% → 3.25% |
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|
U.S. Bank National Association Naples Pcr Branch |
3.25% | $1,000 | 7 months |
Learn More
|
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Rate History: 4.00% → 3.50% → 2.85% → 3.50% → 3.25% |
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|
|
3.25% | $2,500 | 11 months |
Learn More
|
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Rate History: 4.25% → 3.50% → 3.75% → 3.50% → 3.25% |
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Stuart Branch
|
3.25% | $10,000 | 12 months |
Learn More
|
|
Rate History: 4.00% → 3.75% → 3.51% → 3.00% → 3.25% |
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|
Ft Lauderdale Branch
|
3.25% | $501 | 13 months |
Learn More
|
|
Rate History: 3.50% → 3.25% |
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|
CIT Bank, a division of First-Citizens Bank and Trust |
3.25% | $1,000 | 13 months |
Learn More
|
|
Rate History: 3.50% → 3.35% → 3.25% |
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|
|
3.20% | $500 | 17 months |
Learn More
|
|
Early withdrawal penalty is 180 days interest. |
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|
Ocala State Road 200 Branch
|
3.05% | $10,000 | 17 months |
Learn More
|
|
Rate History: 3.85% → 3.45% → 2.75% → 3.25% → 3.05% |
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|
Citibank, National Association Boca Mizner Branch |
3.00% | $0 | 5 months |
Learn More
|
|
Rate History: 2.90% → 2.00% → 4.00% → 3.50% → 3.00% |
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|
Ft Lauderdale Branch
|
3.00% | $500 | 13 months |
Learn More
|
|
Rate History: 3.50% → 4.25% → 3.50% → 4.00% → 3.00% |
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|
U.S. Bank National Association Naples Pcr Branch |
3.00% | $1,000 | 13 months |
Learn More
|
|
Rate History: 3.20% → 3.67% → 2.75% → 1.71% → 3.00% |
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|
|
3.00% | $2,500 | 19 months |
Learn More
|
|
Rate History: 1.00% → 3.75% → 3.50% → 3.25% → 3.00% |
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|
Naples Branch
|
3.00% | $10,000 | 23 months |
Learn More
|
|
Rate History: 3.75% → 3.00% → 2.75% → 2.50% → 3.00% |
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|
Bank of America, National Association Miami International Airport Branch |
2.95% | $10,000 | 10 months |
Learn More
|
|
Rate History: 3.70% → 3.45% → 3.20% → 2.95% → 2.95% |
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|
|
2.80% | $0 | 11 months |
Learn More
|
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Rate History: 2.90% → 2.80% → 2.70% → 2.70% → 2.80% |
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|
City National Bank of Los Angeles. California |
2.78% | $10,000 | 5 months |
Learn More
|
|
Rate History: 3.35% → 3.09% → 3.05% → 3.09% → 2.78% |
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|
Citibank, National Association Boca Mizner Branch |
2.75% | $0 | 6 months |
Learn More
|
|
Rate History: 3.50% → 4.00% → 2.00% → 2.50% → 2.75% |
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|
Dollar Savings Direct, a division of Emigrant Bank |
2.75% | $1,000 | 16 months |
Learn More
|
|
Rate History: 5.00% → 5.00% → 3.50% → 2.75% |
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Ft Lauderdale Branch
|
2.75% | $500 | 19 months |
Learn More
|
|
Rate History: 3.75% → 2.75% |
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|
|
2.75% | $500 | 23 months |
Learn More
|
|
Early withdrawal penalty is 180 days interest. |
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|
Fifth Third Bank, National Association Aloma & Tuscawilla Branch |
2.75% | $5,000 | 24 months |
Learn More
|
|
Rate History: 2.00% → 3.00% → 2.00% → 2.50% → 2.75% |
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Bonita Beach Road Office Branch
|
2.75% | $1,000 | 59 months |
Learn More
|
|
Rate History: 2.85% → 2.50% → 2.25% → 2.00% → 2.75% |
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Bonita Beach Road Office Branch
|
2.65% | $1,000 | 45 months |
Learn More
|
|
Rate History: 2.75% → 2.35% → 2.10% → 2.00% → 2.65% |
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Bonita Beach Road Office Branch
|
2.60% | $1,000 | 35 months |
Learn More
|
|
Rate History: 3.00% → 2.75% → 2.25% → 2.00% → 2.60% |
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|
PNC Bank, National Association West Sebastian Branch |
2.60% | $1,000 | 61 months |
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|
|
Bonita Beach Road Office Branch
|
2.55% | $1,000 | 25 months |
Learn More
|
|
Rate History: 3.00% → 2.75% → 2.25% → 2.00% → 2.55% |
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|
Bonita Beach Road Office Branch
|
2.50% | $1,000 | 13 months |
Learn More
|
|
Rate History: 3.25% → 3.00% → 2.75% → 2.60% → 2.50% |
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|
U.S. Bank National Association Naples Pcr Branch |
2.50% | $1,000 | 25 months |
Learn More
|
|
Rate History: 3.75% → 3.10% → 2.85% → 3.00% → 2.50% |
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|
PNC Bank, National Association West Sebastian Branch |
2.40% | $1,000 | 37 months |
Learn More
|
|
PNC Bank, National Association West Sebastian Branch |
2.20% | $1,000 | 25 months |
Learn More
|
|
PNC Bank, National Association West Sebastian Branch |
2.10% | $1,000 | 19 months |
Learn More
|
|
Citibank, National Association Boca Mizner Branch |
2.00% | $0 | 4 months |
Learn More
|
|
Rate History: 3.75% → 2.25% → 3.00% → 2.00% |
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|
|
2.00% | $1,000 | 6 months |
Learn More
|
|
Rate History: 4.55% → 3.45% → 2.50% → 2.25% → 2.00% |
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|
Stuart Branch
|
2.00% | $10,001 | 6 months |
Learn More
|
|
Rate History: 2.75% → 3.51% → 3.45% → 3.51% → 2.00% |
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|
Bank of America, National Association Miami International Airport Branch |
2.00% | $10,000 | 13 months |
Learn More
|
|
Rate History: 2.75% → 2.50% → 2.25% → 2.00% → 2.00% |
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|
PNC Bank, National Association West Sebastian Branch |
1.90% | $1,000 | 9 months |
Learn More
|
|
Rate History: 0.05% → 1.90% |
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|
Bank of America, National Association Miami International Airport Branch |
1.75% | $10,000 | 25 months |
Learn More
|
|
The 12 Month Flexible CDs/IRAs will automatically renew into a 3 Month Flexible CD/IRA. |
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|
Hingham Institution for Savings |
1.70% | $1,000 | 13 months |
Learn More
|
|
Rate History: 1.85% → 1.70% |
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|
1.70% | $1,000 | 15 months |
Learn More
|
|
Maitland Branch
|
1.25% | $500 | 12 months |
Learn More
|
|
Rate History: 3.55% → 3.65% → 3.60% → 3.65% → 1.25% |
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|
Hingham Institution for Savings |
0.50% | $1,000 | 2 months |
Learn More
|
|
Rate History: 1.00% → 0.50% |
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|
JPMorgan Chase Bank, National Association Miramar & Palm Banking Center Branch |
0.50% | $100,000 | 6 months |
Learn More
|
|
Rate History: 2.00% → 1.50% → 1.01% → 0.75% → 0.50% |
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|
Maitland Branch
|
0.40% | $500 | 18 months |
Learn More
|
|
Rate History: 3.55% → 1.25% → 0.40% → 0.20% → 0.40% |
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|
Citibank, National Association Boca Mizner Branch |
0.05% | $0 | 3 months |
Learn More
|
|
Rate History: 3.00% → 2.25% → 2.25% → 2.00% → 0.05% |
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|
City National Bank of Los Angeles. California |
0.05% | $10,000 | 3 months |
Learn More
|
|
Rate History: 3.30% → 3.25% → 3.30% → 2.78% → 0.05% |
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|
|
0.05% | $1,000 | 9 months |
Learn More
|
|
Rate History: 0.05% → 0.05% → 0.05% |
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