BetterAPY

Florida CD rates › 1 yr CDs

Best 12 month CD rates in Florida

✓ 329 rates verified 2026-10-01, each from the institution's own posted sheet

Sorted by APY. "Who can open" is the short answer — each institution's page has the full membership rules. Rates move; the date above is when we last read each sheet.

InstitutionAPYMinimumWho can openConditions
Quorum Federal Credit Union online4.50%$100Open to all (see page)
Raymond James Bank4.45%$1kAnyoneMin opening deposit $2,000 via brokerage account, $1,000 otherwise
Marcus by Goldman Sachs online4.40%$500AnyoneEarly withdrawal penalty applies
Popular Direct online4.40%$10kAnyone$10,000 minimum deposit
Tropical Financial4.40%$500Rules not yet verified$500 minimum to open
Third Federal Savings and Loan Association of Cleveland4.35%$500AnyoneMinimum to Open: $500; online CD
Pibank, National Association4.35%$1AnyoneMust open and fund a linked Pibank Savings account; monthly interest paid to linked savings; no minimum balance required to earn APY; early withdrawal penalty f
Beal Bank USA4.35%$1kAnyone
CIBC National Trust Company4.35%$1kAnyoneHomepage advertises "Up to 4.35% APY"; footnote states the 4.35% APY is available for a 12 month CD. Online only; 30-day simple interest early withdrawal penalt
HSBC Bank USA, National Association4.30%$1kAnyoneMinimum balance to open account online: $1,000; only available to existing Premier customers
HSBC Bank USA, National Association4.30%$1kAnyoneAccounts opened over telephone or in a Wealth Center
CFG Bank online4.30%—AnyoneHeadline promoted rate
CFG Bank online4.30%$500AnyoneNo additional deposits after initial deposit; $500 minimum daily balance
Citibank, National Association4.25%$500AnyoneFeatured CD; APY varies by balance range
Barclays Bank (US Online) online4.25%—AnyoneNo minimum opening balance or deposit required to open
Space Coast4.25%$50034 FL counties
iTHINK Financial4.25%$1k31 FL counties
First Choice4.25%$75k7 FL countiesEarly withdrawal penalty 180 days interest
Gulf Coast Business Bank4.24%$5kAnyoneMinimum $5,000 to open and to obtain APY
All In4.23%$100k3 FL counties
Synchrony Bank online4.20%—Anyone
All In4.18%$1k3 FL counties
Gala Bank4.15%—Anyone
Ally Bank online4.15%—AnyoneNo minimum deposit to open
CFG Bank online4.15%$250kAnyoneIntraFi CDARS program; contact bank to open
Alliant Credit Union online4.15%$75kOpen to all (see page)12-17 month term
TD Bank, National Association4.14%$0.01Anyone
TD Bank, National Association4.14%$10kAnyone
TD Bank, National Association4.14%$50kAnyone
TD Bank, National Association4.14%$100kAnyone
Radiant4.14%$1k22 FL countiesAPY adjusts bi-annually
Radiant4.14%$1k22 FL counties
Newtek Bank, National Association4.10%$2.5kAnyone
Navy Federal Credit Union4.10%$100kEmployer / group members
SUMA4.10%$1kEmployer / group membersEarly withdrawal penalty: 3 months dividends
Alliant Credit Union online4.10%$1kOpen to all (see page)12-17 month term
Community First Credit Union of Florida4.08%$1M17 FL countiesPrinted term range 12-17 months
Radiant4.08%$50k22 FL counties
Florida West Coast4.08%$500Employer / group membersDividend rate 4.00%; $500.00 balance required to earn dividend rate
Grow Financial4.07%$100kEmployer / group members12 - 17 months
Navy Federal Credit Union4.05%$1kEmployer / group members
Navy Federal Credit Union4.05%$20kEmployer / group members
RadiFi4.05%$1MAnyone (via a partner group)
Blue Coast4.05%$1k13 FL counties
Radiant4.03%$1k22 FL counties
Transport4.01%$100k4 FL counties$100,000 minimum deposit
Nicolet National Bank4.00%$2.5kAnyoneRelationship defined as Direct Deposit Checking
RadiFi4.00%$750kAnyone (via a partner group)
Partners4.00%$1kEmployer / group membersMinimum balance $1,000 maintained for full term; members 55+ may receive 0.10% APY increase; APY as of October 1, 2026
American Airlines4.00%$1kEmployer / group members$1,000.00 minimum balance tier
American Airlines4.00%$10kEmployer / group members$10,000.00 minimum balance tier
FiCare4.00%$100kEmployer / group members
Jetstream4.00%$5002 FL counties
Jetstream4.00%$50k2 FL counties
Jetstream4.00%$5k2 FL countiesGolden Eagle members must maintain $10,000 in deposit accounts
Pinellas4.00%$5001 FL county
Miami Firefighters4.00%$1kEmployer / group members
Gallup4.00%$50kEmployer / group members
First Choice3.99%$5k7 FL countiesEarly withdrawal penalty 180 days interest
Grow Financial3.97%$500Employer / group members12 - 17 months
Suncoast3.95%$100kRegionalFixed rate
RadiFi3.95%$500kAnyone (via a partner group)
Desjardins Bank, National Association3.94%$250kAnyone
American Airlines3.92%$1kEmployer / group membersLadder option 2
American Airlines3.92%$1kEmployer / group membersLadder option 3
American Airlines3.92%$10kEmployer / group membersLadder option 2
American Airlines3.92%$10kEmployer / group membersLadder option 3
RadiFi3.90%$250kAnyone (via a partner group)
FiCare3.90%$50kEmployer / group members
Connect Credit Union3.86%$20k31 FL counties
Northrop Grumman3.86%$2.5kEmployer / group members
Stearns Bank National Association3.85%$500AnyoneIRA funds eligible; penalty may be imposed for early withdrawal; compounds annually
Stearns Bank National Association3.85%$500AnyoneExpected Annual % Yield; compounds annually
RadiFi3.85%$100kAnyone (via a partner group)
Coastline3.85%$75k5 FL countiesPenalty for early withdrawal.
Wings Credit Union3.85%$500Anyone (via a partner group)
Community First Credit Union of Florida3.82%$750k17 FL countiesPrinted term range 12-17 months
GTE Financial3.82%$100kAnyone (via a partner group)
Connect Credit Union3.81%$1k31 FL counties
Anthem Bank & Trust3.80%$200kAnyoneMonthly interest; maturity 07-14-2027
Insight3.80%$1MAnyone (via a partner group)
FiCare3.80%$500Employer / group members
Coastline3.80%$40k5 FL countiesPenalty for early withdrawal.
Tru-Fi3.80%—3 FL counties
Tru-Fi3.80%$5k3 FL counties
Tru-Fi3.80%$25k3 FL counties
Tru-Fi3.80%$50k3 FL counties
Tru-Fi3.80%$75k3 FL counties
Tru-Fi3.80%$100k3 FL counties
Firefighters First3.80%$1kEmployer / group members
Firefighters First3.80%$50kEmployer / group members
Firefighters First3.80%$100kEmployer / group members
McCoy3.76%$1k4 FL counties
McCoy3.76%$5k4 FL counties
McCoy3.76%$25k4 FL counties
McCoy3.76%$100k4 FL counties
Commerce Bank & Trust3.75%$500Anyone
Publix Employees3.75%$100kEmployer / group members
Community Credit Union of Florida3.75%$1k6 FL counties
Panhandle3.75%—7 FL counties
Memorial Employees Financial3.75%$1kEmployer / group membersEarly withdrawal penalties may apply
Memorial Employees Financial3.75%$25kEmployer / group membersEarly withdrawal penalties may apply
Coastline3.75%$1k5 FL countiesPenalty for early withdrawal.
Pinellas3.75%$5001 FL county
City-County Employees3.75%$500Anyone (via a partner group)Interest paid monthly
Transport3.75%—4 FL counties
Platinum3.75%$1kEmployer / group members
Platinum3.75%$10kEmployer / group members
Platinum3.75%$25kEmployer / group members
Platinum3.75%$100kEmployer / group members
Radiant3.71%$1k22 FL counties
Orlando3.71%$100kAnyone (via a partner group)
JM Associates3.71%$50kEmployer / group membersMinimum $50,000.00 tier
Anthem Bank & Trust3.70%$100kAnyoneMonthly interest; maturity 07-14-2027
Nicolet National Bank3.70%$2.5kAnyone
Suncoast3.70%$500RegionalFixed rate
Suncoast3.70%$50RegionalFixed rate
Launch Credit Union3.70%$1k9 FL counties
First Florida3.70%$1kRules not yet verified
Insight3.70%$1kAnyone (via a partner group)
Insight3.70%$100kAnyone (via a partner group)
Tampa Bay3.70%$500Anyone (via a partner group)
Tampa Bay3.70%$50kAnyone (via a partner group)
Tampa Bay3.70%$100kAnyone (via a partner group)
Desjardins Bank, National Association3.69%$1kAnyone
Orlando3.67%$1kAnyone (via a partner group)
All In3.66%$253 FL countiesAdditional funds may be added at any time
JM Associates3.66%$1kEmployer / group membersMinimum $1,000.00 tier
Anthem Bank & Trust3.65%$200kAnyoneMonthly interest; maturity 07-14-2027
Anthem Bank & Trust3.65%$100kAnyoneMonthly interest; maturity 07-14-2027
Anthem Bank & Trust3.65%$200kAnyoneMonthly interest; maturity 07-14-2027 (second listing)
Publix Employees3.65%$1kEmployer / group members
Faith Connection3.65%$1kEmployer / group members
Community First Credit Union of Florida3.61%$500k17 FL countiesPrinted term range 12-17 months
Anthem Bank & Trust3.60%$200kAnyoneMonthly interest; maturity 07-14-2027
Lake Michigan3.60%$500RegionalVIP bonus rate
Baptist Health South Florida3.60%$500Employer / group membersEffective October 1st, 2025; early withdrawal penalty 30 days interest
Dort Financial3.60%$100k4 FL counties
Together3.60%$1kEmployer / group membersHousehold relationship of $25,000 or more
Together3.60%$1kEmployer / group members
Loyalty3.59%—Rules not yet verified
First Bank3.56%$2.5kAnyoneRate 3.50%; penalty may be imposed for early withdrawal
Addition Financial3.56%$1k43 FL countiesTerm range 12-23 months
GTE Financial3.56%$500Anyone (via a partner group)
Crews Bank & Trust3.55%$500Anyone
Anthem Bank & Trust3.55%$100kAnyoneMonthly interest; maturity 07-14-2027
Community South3.55%$5009 FL countiesDividend rate 3.50%
Dort Financial3.55%$1k4 FL counties
Together3.55%$1kEmployer / group members
Miami3.55%$10kAnyone (via a partner group)
Miami3.55%$200Anyone (via a partner group)
TruGrocer3.51%$50kEmployer / group members
Valley National Bank3.50%$500Anyone
EverBank, National Association3.50%$1kAnyone
Axiom Bank, National Association3.50%$500Anyone
Bradesco Bank3.50%$500kAnyone
Happen Bank online3.50%$500Anyone
Innovations Financial3.50%$1k10 FL counties
DFCU Financial3.50%$1kRegional
DFCU Financial3.50%$25kRegional
DFCU Financial3.50%$100kRegional
Broward Healthcare3.50%$50k1 FL county$50,000 minimum balance; early withdrawal penalties apply
Tampa Postal3.50%$500Employer / group members
Dort Financial3.50%$1k4 FL counties
PowerNet3.50%$500Employer / group members
Gallup3.50%$10kEmployer / group members
BayFirst National Bank3.49%$1kAnyone
Okaloosa County Teachers3.45%$1k1 FL countyMinimum $1,000.00 required
Lake Michigan3.45%$500RegionalVIP bonus rate
Eglin3.45%$2.5k4 FL counties
Innovations Financial3.45%$1k10 FL counties
U.S. Postal Service3.45%$250Employer / group membersMust have Regular IRA Savings Account
Alive3.40%$5005 FL countiesDividends paid monthly
Broward Healthcare3.40%$1k1 FL county$1,000 minimum balance; early withdrawal penalties apply
TruGrocer3.40%$10kEmployer / group members
Bradesco Bank3.35%$250kAnyone
Community First Credit Union of Florida3.35%$250k17 FL countiesPrinted term range 12-17 months
Lake Michigan3.35%$500Regional
Baptist Health South Florida3.35%$50kEmployer / group members
Priority3.35%$5006 FL counties
Crews Bank & Trust3.30%$500Anyone
Educational3.30%$100kEmployer / group members
Trax3.30%$100kEmployer / group members
Alive3.30%$1005 FL countiesUnlimited add-on deposits until maturity
San Antonio Citizens3.30%$1kRules not yet verified
TruGrocer3.30%$500Employer / group members
Miami3.29%$200Anyone (via a partner group)
IncredibleBank3.25%—Anyone
Bradesco Bank3.25%$5kAnyone
Old Dominion National Bank3.25%$500Anyone
Educational3.25%$1kEmployer / group members
Baptist Health South Florida3.25%$25kEmployer / group members
Tampa Postal3.25%$500Employer / group members
Everence3.25%$100kAnyone (via a partner group)
U.S. Postal Service3.25%$250Employer / group membersRates set monthly
Credit Union 13.25%$1kAnyone (via a partner group)
Credit Union 13.25%$10kAnyone (via a partner group)
Credit Union 13.25%$1kAnyone (via a partner group)Business rates as of last dividend declaration date July 29, 2026
Credit Union 13.25%$10kAnyone (via a partner group)Business rates as of last dividend declaration date July 29, 2026
FAIRWINDS3.24%$1kAnyone (via a partner group)
Lake Michigan3.20%$500Regional
Eglin3.20%$5004 FL countiespenalty for early withdrawal
TMH3.20%$1kEmployer / group membersMinimum balance $1,000 to obtain APY; compounded monthly
Everence3.20%$500Anyone (via a partner group)
DLP Bank3.15%$1kAnyoneMinimum deposit to open is $1,000. Penalty for early withdrawal.
Baptist Health South Florida3.15%$500Employer / group members
Republic Bank & Trust Company3.10%$1kAnyone
Trax3.10%$500Employer / group members
ECU3.10%$5k6 FL countiesCD minimum balance $5,000
Banco do Brasil Americas3.05%$100kAnyone
Community First Credit Union of Florida3.05%$100k17 FL countiesPrinted term range 12-17 months
Jax Fire3.04%$500Employer / group members
Bradesco Bank3.00%$100kAnyone
First Bank3.00%$500Anyone
USF Federal Credit Union3.00%$500Anyone (via a partner group)
Ocala Community3.00%$5001 FL countyIncludes IRA CD
Ocala Community3.00%$5k1 FL countyIncludes IRA CD
Ocala Community3.00%$50k1 FL countyIncludes IRA CD
Ocala Community3.00%$100k1 FL countyIncludes IRA CD
Gallup3.00%$1kEmployer / group members
Community First Credit Union of Florida2.99%$45k17 FL countiesPrinted term range 12-17 months
First Choice2.96%$1k7 FL countiesEarly withdrawal penalty 180 days interest
Community First Credit Union of Florida2.94%$50017 FL countiesPrinted term range 12-17 months
Dade County2.92%$5004 FL counties
RadiFi2.85%$50kAnyone (via a partner group)
1st Street2.78%$150k3 FL counties
Wilmington Savings Fund Society, FSB2.75%$2.5kAnyone
Locality Bank2.75%$2.5kAnyoneInterest rate 2.713%; penalty for early withdrawal
RadiFi2.75%$25kAnyone (via a partner group)
Hello2.75%$5008 FL counties
My Pensacola2.75%$1k1 FL county
My Pensacola2.75%—1 FL countyPenalty for early withdrawal
1st Street2.73%$75k3 FL counties
RadiFi2.70%$2.5kAnyone (via a partner group)
First Commerce2.70%—Anyone (via a partner group)
1st Street2.68%$1k3 FL counties
RadiFi2.65%$500Anyone (via a partner group)
Banco do Brasil Americas2.55%—Anyone
PNB Community Bank2.50%$1kAnyone
Tyndall2.50%$1kRules not yet verified
Members First Credit Union of Florida2.50%$5003 FL counties
Members First Credit Union of Florida2.50%—3 FL countiesNo minimum; add up to $2500 per month
Members First Credit Union of Florida2.50%—3 FL counties
Santa Rosa County2.50%$1k3 FL counties
Emerald Coast2.50%$1k2 FL counties$1,000 minimum for Share Certificates, $250 minimum for IRA Certificates; members 55+ receive additional 0.05% APY
Miami Postal Service2.50%$1k6 FL counties
BankUnited, National Association2.45%$1kAnyone
PenAir2.35%—1 FL county
Unity of Eatonville2.27%$1k1 FL countyAPR 2.25%
We Florida Financial2.25%$50046 FL counties
We Florida Financial2.25%$50k46 FL counties
We Florida Financial2.25%$10k46 FL counties
iTHINK Financial2.20%$1k31 FL counties
Farmers2.10%—Employer / group members
City National Bank2.02%$2.5kAnyone
First-Citizens Bank & Trust Company2.00%$500Anyone
Woodforest National Bank2.00%$500Anyone
Gulf Winds2.00%$50036 FL counties
Monroe County Teachers2.00%$10kEmployer / group members
Monroe County Teachers2.00%$20kEmployer / group members
MIDFLORIDA1.75%$1kRegional
Wells Fargo Bank, National Association1.51%$2.5kAnyoneSame 1.51% relationship APY for all balance tiers — Miami/Jacksonville pricing (varies by location)
Florida A&M University1.51%$500Employer / group members
Ukrainian1.51%$500Employer / group members
Wells Fargo Bank, National Association1.50%$2.5kAnyoneSame 1.50% APY for all balance tiers $0 to $100,000+ — Miami/Tampa/Jacksonville pricing (varies by location)
Wells Fargo Bank, National Association1.50%$2.5kAnyoneAll balance tiers $0-$100,000+ same APY; relationship APY 1.51% — Orlando pricing (varies by location)
The Warrington Bank1.50%—Anyone
Bank of Pensacola1.50%—AnyoneEarly withdrawal penalty equal to 30 days' interest on amount withdrawn
Florida A&M University1.50%$500Employer / group members
Polish & Slavic1.50%$90kEmployer / group members
Polish & Slavic1.35%$50kEmployer / group members
Republic Bank & Trust Company1.25%$1kAnyone
University1.25%$500Anyone (via a partner group)
Polish & Slavic1.20%$500Employer / group members
First Federal Bank1.07%$100kAnyone$100,000 and up
First Federal Bank1.06%$50kAnyone$50,000 - $99,999.99
First Federal Bank1.03%$1kAnyone$1,000 - $9,999.99
First Federal Bank1.03%$10kAnyone$10,000 - $24,999.99
First Federal Bank1.03%$25kAnyone$25,000 - $49,999.99
United Bank0.75%$500Anyone
RadiFi0.75%$1kAnyone (via a partner group)Printed as '12 or 18 month term'
RadiFi0.75%$1.5kAnyone (via a partner group)Printed as '12 or 18 month term'
Keys0.75%$5001 FL county
RadiFi0.60%$501Anyone (via a partner group)Printed as '12 or 18 month term'
RadiFi0.50%$0.01Anyone (via a partner group)Printed as '12 or 18 month term'
Harvesters0.40%$5002 FL counties
Gold Coast0.40%$1kAnyone (via a partner group)
Gold Coast0.40%$250Anyone (via a partner group)
Florida Capital Bank, National Association0.35%$2kAnyoneMinimum opening balance Personal: $2,000 | Business: $10,000
OneUnited Bank0.30%$250kAnyoneInternet product
1st Source Bank0.30%$500Anyone
Sunstate Bank0.25%—Anyone
OneUnited Bank0.25%$500AnyoneInternet product
FloridaCentral0.21%$500Employer / group members
United Southern Bank0.20%$1kAnyone
BankPlus0.20%$1kAnyoneInterest credited quarterly
Florida Customs0.20%$500Employer / group members
United Southern Bank0.15%$1kAnyone
First Horizon Bank0.10%—Anyone
PNB Community Bank0.10%$1kAnyone
TD Bank, National Association0.05%—Anyone
Citibank, National Association0.05%$500Anyone12-month term; one-time full-balance withdrawal allowed

1 yr promos & specials

InstitutionAPYMinimumWho can openThe catch
Pacific National Bank4.35% promo—AnyoneCertificate of Deposit (online special) — New Money Only; domestic personal accounts opened online
HSBC Bank USA, National Association4.35% promo$1kAnyoneNew Money CD — New money required; minimum balance to open online $1,000
CIBC Bank USA4.35% promo$1k (cap $5M)AnyoneCIBC Agility CD — Featured rate
iTHINK Financial4.25% promo$25k31 FL countiesSpecial Certificate Account (Premium, $25,000 min)
TD Bank, National Association4.15% promo$0.01 (cap $10k)AnyoneTD Choice CD Promotional ($0.01-$9,999.99)
TD Bank, National Association4.15% promo$10k (cap $50k)AnyoneTD Choice CD Promotional ($10,000-$49,999.99)
TD Bank, National Association4.15% promo$50k (cap $100k)AnyoneTD Choice CD Promotional ($50,000-$99,999.99)
TD Bank, National Association4.15% promo$100kAnyoneTD Choice CD Promotional ($100,000+)
Climate First Bank4.15% promo$500Anyone12-Month Penalty-Free CD — No penalty for early withdrawals; promotional rate accurate as of 6-11-26
City National Bank4.11% promo$2.5kAnyoneSpecial 12-Month Fixed Rate CD — New money required
Dade County4.10% promo$5004 FL countiesShare Certificate Promotional — Promotional rates effective as of August 24, 2026; minimum opening balance $500
U.S. Postal Service4.10% promo$1 (cap $1k)Employer / group membersStarter Certificate (1 Year Add-On) — Capped at $1,000; Add funds throughout term; limit one per member
Gallup4.10% promo$1kEmployer / group membersLoyalty CD — Special program terms and restrictions apply
Banesco USA4.05% promo$1kAnyoneSpecial CD (Continental U.S.) — Continental U.S. clients; new money; minimum opening deposit $1,000
Northrop Grumman4.02% promo$40kEmployer / group membersBonus Certificate — Minimum daily balance to earn APY $40,000
Amerant Bank, National Association4.00% promo$10k (cap $250k)AnyoneCertificate of Deposit (Florida) - promotional — Promotional CD offer for Florida residents; must open by 10/09/2026
Compass Financial4.00% promo$100k1 FL countyJumbo Certificate of Deposit - Limited Time Promotion — Limited Time Promotion
Gallup4.00% promo$5kEmployer / group membersNew Money CD — Special program terms and restrictions apply
BankUnited, National Association3.95% promo$1k (cap $250k)AnyoneCD (Promotional Rate) — Promotional rate; also shown as headline 12-month CD
Orlando3.80% promo$500 (cap $500)Anyone (via a partner group)Term Share Certificate - Starter Rate — $500 min & max deposit
Seacoast National Bank3.55% promo$1kAnyoneCertificate of Deposit — Minimum opening deposit of $1,000 required. Not available to funds currently on deposit at Seacoast Bank. Special APY applies to initial term only; branch visit
Florida Capital Bank, National Association3.35% promo$50k (cap $1M)AnyonePromotional CD/IRA (Personal & Business) — Requires $50,000 opening balance; new money only
Truist Bank3.25% promo$100kAnyoneSpecial CD ($100,000 and above) — Special rate on select new CD accounts; balances $100,000 and above; APY accurate as of 7/28/2026
Guardians3.25% promo$10k4 FL countiesShort Term Share Certificate Special — Limited time offer; $10,000 minimum opening deposit; no additional deposits; early withdrawal penalty 90 days interest
Gallup3.10% promo$25Employer / group membersSave to Win® CD — Special program terms and restrictions apply
Manufacturers and Traders Trust Company3.00% promo$1k (cap $1M)AnyoneM&T Select Certificate of Deposit — Interest rate 2.96%; requires qualifying M&T checking account
U.S. Bank National Association3.00% promo$1k (cap $250k)AnyoneCD Special — New CD Special clients; ZIP 33131

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