Image Courtesy: www.pixabay.com
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 - December 20, 2025
| Bank | APY | MIN | PERIOD | |
|---|---|---|---|---|
|
|
5.40% | $5,000 | 5 months |
Learn More
|
|
Rate History: 5.60% → 5.35% → 4.80% → 4.45% → 5.40% |
||||
|
Sarasota Banking Center Branch
|
5.05% | $500 | 11 months |
Learn More
|
|
Dadeland Branch
|
5.00% | $1,000 | 13 months |
Learn More
|
|
Rate History: 5.25% → 5.10% → 4.90% → 5.25% → 5.00% |
||||
|
Dadeland Branch
|
4.95% | $1,000 | 7 months |
Learn More
|
|
Rate History: 4.85% → 5.05% → 5.15% → 5.30% → 4.95% |
||||
|
Dadeland Branch
|
4.90% | $1,000 | 4 months |
Learn More
|
|
Rate History: 4.90% → 4.80% → 5.00% → 5.35% → 4.90% |
||||
|
American Commerce Bank, National Association Probank Branch |
4.56% | $1,000 | 11 months |
Learn More
|
|
Sarasota Banking Center Branch
|
4.50% | $500 | 17 months |
Learn More
|
|
Dadeland Branch
|
4.30% | $1,000 | 19 months |
Learn More
|
|
Rate History: 4.00% → 4.75% → 4.60% → 4.45% → 4.30% |
||||
|
Naples Branch
|
4.25% | $2,500 | 2 months |
Learn More
|
|
Gulfport Boulevard Branch
|
4.20% | $1,000 | 7 months |
Learn More
|
|
Rate History: 5.00% → 4.20% |
||||
|
Naples Branch
|
4.15% | $2,500 | 3 months |
Learn More
|
|
Busey Bank, Na Branch
|
4.15% | $1,000 | 11 months |
Learn More
|
|
Rate History: 5.10% → 4.75% → 4.40% → 4.25% → 4.15% |
||||
|
Dadeland Branch
|
4.15% | $1,000 | 25 months |
Learn More
|
|
Rate History: 4.00% → 4.30% → 4.40% → 4.30% → 4.15% |
||||
|
Brilliant Bank, a division of Equity Bank |
4.06% | $1,000 | 15 months |
Learn More
|
|
Rate History: 4.85% → 4.35% → 4.30% → 4.06% |
||||
|
Naples Branch
|
4.05% | $2,500 | 4 months |
Learn More
|
|
|
4.03% | $500 | 7 months |
Learn More
|
|
Destin Branch
|
4.01% | $500 | 11 months |
Learn More
|
|
Brandon Branch
|
4.00% | $500 | 3 months |
Learn More
|
|
Rate History: 4.50% → 4.00% → 4.00% |
||||
|
Crestview Southside Branch
|
4.00% | $1,000 | 3 months |
Learn More
|
|
Rate History: 5.00% → 4.50% → 4.25% → 4.00% |
||||
|
Fifth Third Bank, National Association Aloma & Tuscawilla Branch |
4.00% | $5,000 | 3 months |
Learn More
|
|
Rate History: 5.20% → 4.50% → 4.00% → 3.80% → 4.00% |
||||
|
|
4.00% | $2,500 | 4 months |
Learn More
|
|
U.S. Bank National Association Naples Pcr Branch |
4.00% | $1,000 | 5 months |
Learn More
|
|
Rate History: 3.00% → 5.00% → 4.00% → 3.60% → 4.00% |
||||
|
|
4.00% | $10,000 | 5 months |
Learn More
|
|
Rate History: 5.05% → 4.90% → 4.65% → 4.25% → 4.00% |
||||
|
Citibank, National Association Boca Mizner Branch |
4.00% | $0 | 6 months |
Learn More
|
|
Rate History: 2.25% → 3.80% → 1.50% → 3.50% → 4.00% |
||||
|
|
4.00% | $500 | 6 months |
Learn More
|
|
Rate History: 5.15% → 5.00% → 4.75% → 4.50% → 4.00% |
||||
|
BankUnited, National Association Coral Gables Branch |
4.00% | $1,000 | 6 months |
Learn More
|
|
Rate History: 5.25% → 4.50% → 4.35% → 4.25% → 4.00% |
||||
|
Ocala State Road 200 Branch
|
4.00% | $1,000 | 7 months |
Learn More
|
|
Rate History: 5.25% → 5.00% → 4.75% → 4.25% → 4.00% |
||||
|
|
4.00% | $2,500 | 7 months |
Learn More
|
|
Rate History: 4.65% → 4.50% → 4.45% → 4.20% → 4.00% |
||||
|
8253 Jacksonville Florida Walmart Br Branch
|
4.00% | $500 | 8 months |
Learn More
|
|
Rate History: 4.75% → 4.50% → 4.00% → 3.75% → 4.00% |
||||
|
Berryhill Road Branch
|
4.00%
3.85% 3.85% |
$0
$0 |
14 months |
Learn More
|
|
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. |
||||
|
Pacific National Bank Branch
|
3.95% | $1,000 | 6 months |
Learn More
|
|
Rate History: 4.75% → 4.50% → 4.40% → 4.45% → 3.95% |
||||
|
|
3.95%
3.90% 3.90% |
$500
$500 |
11 months |
Learn More
|
|
Rate History: 4.25% → 3.90% → 4.05% → 3.95% |
||||
|
Naples Branch
|
3.90% | $2,500 | 6 months |
Learn More
|
|
Rate History: 5.25% → 5.00% → 4.75% → 3.90% |
||||
|
|
3.90% | $2,500 | 6 months |
Learn More
|
|
Rate History: 4.75% → 5.15% → 4.00% → 3.85% → 4.25% |
||||
|
EverBank, National Association Normandy Branch |
3.90% | $1,000 | 7 months |
Learn More
|
|
Rate History: 1.00% → 4.05% → 4.00% → 3.90% |
||||
|
|
3.90% | $1,000 | 7 months |
Learn More
|
|
Rate History: 4.10% → 4.05% → 4.00% → 3.90% |
||||
|
Pacific National Bank Branch
|
3.85% | $1,000 | 12 months |
Learn More
|
|
Rate History: 4.86% → 4.95% → 4.55% → 4.25% → 3.85% |
||||
|
|
3.81% | $1,000 | 13 months |
Learn More
|
|
Rate History: 4.21% → 4.11% → 4.36% → 4.06% → 3.81% |
||||
|
Ft Lauderdale Branch
|
3.80%
3.55% 3.55% |
$501
$500 |
5 months |
Learn More
|
|
Rate History: 5.00% → 4.75% → 0.01% → 3.80% |
||||
|
Gulfport Boulevard Branch
|
3.80% | $1,000 | 13 months |
Learn More
|
|
Rate History: 5.50% → 3.80% |
||||
|
|
3.75% | $2,500 | 11 months |
Learn More
|
|
Rate History: 4.65% → 3.50% → 4.00% → 3.75% |
||||
|
Stuart Branch
|
3.70% | $250 | 3 months |
Learn More
|
|
Rate History: 4.00% → 3.70% |
||||
|
|
3.70% | $2,500 | 7 months |
Learn More
|
|
Rate History: 3.80% → 3.70% |
||||
|
Ft Lauderdale Branch
|
3.70%
3.45% 3.45% |
$501
$500 |
8 months |
Learn More
|
|
Rate History: 4.25% → 4.50% → 4.35% → 4.00% → 3.70% |
||||
|
|
3.70% | $1,000 | 12 months |
Learn More
|
|
Rate History: 4.00% → 3.75% → 3.95% → 3.75% → 3.70% |
||||
|
|
3.65%
3.45% 2.60% 2.40% 2.20% 2.10% 2.00% 3.45%2.60% 2.40% 2.20% 2.10% 2.00% |
$1,000
$1,000 $1,000 $1,000 $1,000 $1,000 $1,000 |
4 months |
Learn More
|
|
Ocala State Road 200 Branch
|
3.65% | $10,000 | 5 months |
Learn More
|
|
Rate History: 1.00% → 5.00% → 4.00% → 3.90% → 3.65% |
||||
|
|
3.65% | $5,000 | 8 months |
Learn More
|
|
Rate History: 3.65% → 3.65% → 3.65% → 3.65% |
||||
|
Third Federal Savings and Loan Association of Cleveland Plantation Branch |
3.65% | $500 | 11 months |
Learn More
|
|
|
3.65% | $1,000 | 13 months |
Learn More
|
|
Rate History: 4.10% → 4.30% → 3.60% |
||||
|
Fifth Third Bank, National Association Aloma & Tuscawilla Branch |
3.60% | $5,000 | 7 months |
Learn More
|
|
Rate History: 4.80% → 5.00% → 4.50% → 4.20% → 3.50% |
||||
|
|
3.56% | $10,000 | 3 months |
Learn More
|
|
Rate History: 4.59% → 4.33% → 4.07% → 3.82% → 3.56% |
||||
|
First-Citizens Bank & Trust Company Health Park Branch |
3.55% | $5,000 | 5 months |
Learn More
|
|
Rate History: 4.25% → 4.00% → 3.75% → 3.65% → 3.55% |
||||
|
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% |
||||
|
|
3.55% | $1,000 | 22 months |
Learn More
|
|
Rate History: 2.75% → 4.00% → 3.80% → 3.55% |
||||
|
|
3.55% | $1,000 | 36 months |
Learn More
|
|
Rate History: 3.00% → 3.55% |
||||
|
|
3.51% | $1,000 | 7 months |
Learn More
|
|
Rate History: 3.85% → 3.51% → 4.03% → 3.85% → 3.51% |
||||
|
Bank of America, National Association Miami International Airport Branch |
3.51% | $10,000 | 7 months |
Learn More
|
|
Rate History: 4.05% → 3.80% → 4.00% → 3.75% → 3.51% |
||||
|
Palm Beach Community Bank Branch
|
3.50% | $1,000 | 3 months |
Learn More
|
|
Rate History: 4.00% → 4.10% → 4.00% → 3.75% → 3.50% |
||||
|
Wells Fargo Bank, National Association Reitz Union Branch |
3.50% | $5,000 | 7 months |
Learn More
|
|
Rate History: 4.00% → 3.75% → 3.64% → 3.75% → 3.50% |
||||
|
U.S. Bank National Association Naples Pcr Branch |
3.50% | $1,000 | 9 months |
Learn More
|
|
Rate History: 4.00% → 3.70% → 3.40% → 3.10% → 3.50% |
||||
|
Naples Branch
|
3.50% | $2,500 | 9 months |
Learn More
|
|
Rate History: 4.75% → 4.50% → 3.50% |
||||
|
Naples Branch
|
3.50% | $10,000 | 9 months |
Learn More
|
|
Rate History: 5.00% → 4.75% → 4.00% → 3.50% |
||||
|
Citizens Bank, National Association |
3.50% | $25,000 | 10 months |
Learn More
|
|
Rate History: 5.00% → 5.25% → 5.00% → 4.00% → 3.50% |
||||
|
|
3.50% | $5,000 | 11 months |
Learn More
|
|
11-Month No Penalty CD |
||||
|
North American Savings Bank, F.S.B. |
3.50% | $5,000 | 13 months |
Learn More
|
|
Rate History: 5.35% → 5.15% → 4.40% → 4.20% → 3.50% |
||||
|
|
3.50% | $10,000 | 15 months |
Learn More
|
|
Rate History: 4.00% → 3.50% |
||||
|
Finworth, a division of InsBank Gulfport Boulevard Branch |
3.50% | $50,000 | 22 months |
Learn More
|
|
Rate History: 3.80% → 4.00% → 3.95% → 3.90% → 3.50% |
||||
|
|
3.50% | $2,500 | 23 months |
Learn More
|
|
Rate History: 1.00% → 3.50% |
||||
|
|
3.50% | $1,000 | 25 months |
Learn More
|
|
Rate History: 3.60% → 3.50% → 3.60% → 3.55% → 3.50% |
||||
|
Crestview Southside Branch
|
3.49% | $1,000 | 5 months |
Learn More
|
|
Rate History: 5.00% → 4.50% → 4.15% → 3.75% → 3.49% |
||||
|
Maitland Branch
|
3.45% | $500 | 6 months |
Learn More
|
|
Rate History: 3.85% → 3.60% → 3.55% → 3.50% → 3.45% |
||||
|
Stuart Branch
|
3.45% | $10,001 | 6 months |
Learn More
|
|
Rate History: 4.00% → 3.00% → 2.75% → 3.51% → 3.45% |
||||
|
|
3.45% | $500 | 11 months |
Learn More
|
|
Rate History: 3.75% → 3.50% → 4.00% → 3.75% → 3.45% |
||||
|
|
3.40% | $500 | 7 months |
Learn More
|
|
Early withdrawal penalty is 180 days interest. |
||||
|
|
3.35% | $10,000 | 5 months |
Learn More
|
|
Rate History: 1.00% → 4.07% → 3.61% → 3.35% |
||||
|
CIT Bank, a division of First-Citizens Bank and Trust |
3.35% | $1,000 | 11 months |
Learn More
|
|
Account cannot be closed online. Requires reaching phone representative to close. |
||||
|
My e-Banc, a division of Bradesco BAC Florida Bank |
3.30% | $100,000 | 11 months |
Learn More
|
|
Two withdrawals allowed without penalty. |
||||
|
|
3.30% | $1,000 | 13 months |
Learn More
|
|
Rate History: 3.75% → 3.30% → 2.65% → 2.95% → 3.30% |
||||
|
Palm Beach Community Bank Branch
|
3.25% | $1,000 | 7 months |
Learn More
|
|
Rate History: 4.20% → 3.75% → 3.90% → 3.50% → 3.25% |
||||
|
|
3.25% | $2,500 | 11 months |
Learn More
|
|
Rate History: 4.25% → 3.50% → 3.75% → 3.50% → 3.25% |
||||
|
Wells Fargo Bank, National Association Reitz Union Branch |
3.25% | $5,000 | 11 months |
Learn More
|
|
Rate History: 3.75% → 3.50% → 3.75% → 3.50% → 3.25% |
||||
|
Ft Lauderdale Branch
|
3.25% | $501 | 13 months |
Learn More
|
|
Rate History: 3.50% → 3.25% |
||||
|
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% |
||||
|
Fifth Third Bank, National Association Aloma & Tuscawilla Branch |
3.25% | $5,000 | 13 months |
Learn More
|
|
Rate History: 4.00% → 4.30% → 3.30% → 3.49% → 3.25% |
||||
|
|
3.25% | $500 | 17 months |
Learn More
|
|
Early withdrawal penalty is 180 days interest. |
||||
|
|
3.25% | $1,000 | 24 months |
Learn More
|
|
Rate History: 3.50% → 3.25% |
||||
|
Citibank, National Association Boca Mizner Branch |
3.20% | $0 | 9 months |
Learn More
|
|
Rate History: 3.00% → 4.25% → 2.50% → 3.25% → 3.20% |
||||
|
Bank of America, National Association Miami International Airport Branch |
3.20% | $10,000 | 10 months |
Learn More
|
|
Rate History: 4.00% → 3.70% → 3.45% → 3.20% |
||||
|
|
3.20% | $0 | 11 months |
Learn More
|
|
Rate History: 3.75% → 3.55% → 3.40% → 3.30% → 3.20% |
||||
|
U.S. Bank National Association Naples Pcr Branch |
3.20% | $1,000 | 13 months |
Learn More
|
|
Rate History: 3.50% → 3.20% → 3.10% → 3.00% → 3.20% |
||||
|
Stuart Branch
|
3.10% | $10,000 | 9 months |
Learn More
|
|
Rate History: 3.75% → 3.25% → 3.10% |
||||
|
Rising Bank, a division of Midwest BankCentre |
3.10% | $1,000 | 15 months |
Learn More
|
|
Early Withdrawal Penalty is 180 days interest. |
||||
|
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% |
||||
|
Palm Beach Community Bank Branch
|
3.00% | $1,000 | 11 months |
Learn More
|
|
Rate History: 4.50% → 4.25% → 3.50% → 3.25% → 3.00% |
||||
|
Naples Branch
|
3.00% | $2,500 | 12 months |
Learn More
|
|
Rate History: 4.25% → 3.00% |
||||
|
Stuart Branch
|
3.00% | $10,000 | 12 months |
Learn More
|
|
Rate History: 4.50% → 4.00% → 3.75% → 3.51% → 3.00% |
||||
|
Ft Lauderdale Branch
|
3.00% | $500 | 13 months |
Learn More
|
|
Rate History: 3.50% → 4.25% → 3.50% → 4.00% → 3.00% |
||||
|
|
3.00% | $2,500 | 19 months |
Learn More
|
|
Rate History: 1.00% → 3.75% → 3.50% → 3.25% → 3.00% |
||||
|
|
3.00% | $500 | 23 months |
Learn More
|
|
Early withdrawal penalty is 180 days interest. |
||||
|
Naples Branch
|
3.00% | $10,000 | 23 months |
Learn More
|
|
Rate History: 3.75% → 3.00% |
||||
|
Fifth Third Bank, National Association Aloma & Tuscawilla Branch |
3.00% | $5,000 | 24 months |
Learn More
|
|
Rate History: 5.00% → 4.00% → 3.50% → 2.00% → 3.00% |
||||
|
|
2.96% | $5,000 | 51 months |
Learn More
|
|
Bonita Beach Road Office Branch
|
2.75% | $1,000 | 13 months |
Learn More
|
|
Rate History: 4.00% → 3.85% → 3.25% → 3.00% → 2.75% |
||||
|
|
2.75%
2.25% 2.10% 2.00% 2.25%2.10% 2.00% |
$1,000
$1,000 $1,000 $1,000 |
13 months |
Learn More
|
|
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% |
||||
|
Ft Lauderdale Branch
|
2.75% | $500 | 19 months |
Learn More
|
|
Rate History: 3.75% → 2.75% |
||||
|
Citibank, National Association Boca Mizner Branch |
2.71% | $0 | 8 months |
Learn More
|
|
Rate History: 0.05% → 3.70% → 3.55% → 3.10% → 2.71% |
||||
|
PNC Bank, National Association West Sebastian Branch |
2.60% | $1,000 | 61 months |
Learn More
|
|
PNC Bank, National Association West Sebastian Branch |
2.40% | $1,000 | 37 months |
Learn More
|
|
Citibank, National Association Boca Mizner Branch |
2.25% | $0 | 3 months |
Learn More
|
|
Rate History: 3.00% → 2.25% |
||||
|
|
2.25% | $1,000 | 6 months |
Learn More
|
|
Rate History: 4.65% → 4.55% → 3.45% → 2.50% → 2.25% |
||||
|
Bank of America, National Association Miami International Airport Branch |
2.25% | $10,000 | 13 months |
Learn More
|
|
Rate History: 3.25% → 3.00% → 2.75% → 2.50% → 2.25% |
||||
|
Bonita Beach Road Office Branch
|
2.25% | $1,000 | 59 months |
Learn More
|
|
Rate History: 3.60% → 3.00% → 2.85% → 2.50% → 2.25% |
||||
|
PNC Bank, National Association West Sebastian Branch |
2.20% | $1,000 | 25 months |
Learn More
|
|
Bonita Beach Road Office Branch
|
2.10% | $1,000 | 45 months |
Learn More
|
|
Rate History: 3.60% → 3.00% → 2.75% → 2.35% → 2.10% |
||||
|
Citibank, National Association Boca Mizner Branch |
2.00% | $0 | 5 months |
Learn More
|
|
Rate History: 3.50% → 3.25% → 1.75% → 2.90% → 2.00% |
||||
|
|
2.00% | $1,000 | 9 months |
Learn More
|
|
Rate History: 4.50% → 4.40% → 3.20% → 2.25% → 2.00% |
||||
|
PNC Bank, National Association West Sebastian Branch |
2.00% | $1,000 | 13 months |
Learn More
|
|
Bonita Beach Road Office Branch
|
2.00% | $1,000 | 25 months |
Learn More
|
|
Rate History: 3.60% → 3.00% → 2.75% → 2.25% → 2.00% |
||||
|
Bank of America, National Association Miami International Airport Branch |
2.00% | $10,000 | 25 months |
Learn More
|
|
The 12 Month Flexible CDs/IRAs will automatically renew into a 3 Month Flexible CD/IRA. |
||||
|
|
1.96% | $5,000 | 13 months |
Learn More
|
|
Hingham Institution for Savings |
1.70% | $1,000 | 13 months |
Learn More
|
|
Rate History: 1.85% → 1.70% |
||||
|
|
1.70% | $1,000 | 15 months |
Learn More
|
|
Maitland Branch
|
1.45% | $500 | 12 months |
Learn More
|
|
Rate History: 3.90% → 3.85% → 3.75% → 1.50% → 1.45% |
||||
|
JPMorgan Chase Bank, National Association Miramar & Palm Banking Center Branch |
0.75% | $100,000 | 6 months |
Learn More
|
|
Rate History: 3.00% → 2.00% → 1.50% → 1.01% → 0.75% |
||||
|
Destin Branch
|
0.55% | $500 | 7 months |
Learn More
|
|
Rate History: 5.05% → 4.85% → 4.64% → 4.24% → 0.55% |
||||
|
Hingham Institution for Savings |
0.50% | $1,000 | 2 months |
Learn More
|
|
Rate History: 1.00% → 0.50% |
||||
|
Maitland Branch
|
0.45% | $500 | 18 months |
Learn More
|
|
Rate History: 4.25% → 1.50% → 0.92% → 0.87% → 0.45% |
||||
|
|
0.05% | $1,000 | 9 months |
Learn More
|
|
Branch Banking And Trust Company
|
0.00% | $1,000 | 15 months |
Learn More
|
|
Rate History: 3.75% → 3.35% → 3.00% → 2.75% → 2.70% |
||||
BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.
Find out how much extra money you can earn by moving your bank money into an account that pays more.
Use or Change these Amounts And Rates
