BetterAPY

Florida CD rates › 6 mo CDs

Best 6 month CD rates in Florida

✓ 282 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 online4.40%$100Open to all (see page)
Raymond James Bank4.30%$1kAnyoneMin opening deposit $2,000 via brokerage account, $1,000 otherwise
Beal Bank USA4.25%$1kAnyone
Popular Direct online4.25%$10kAnyone$10,000 minimum deposit
iTHINK Financial4.25%$1k31 FL counties
Happen Bank online4.20%$500Anyone
Blue Coast4.15%$1k13 FL countiesMust be opened under a commercial/business account with BCFCU
Radiant4.13%$50k22 FL countiesAPY based on $50,000
Radiant4.13%$50k22 FL counties
All In4.12%$100k3 FL counties
Radiant4.08%$1k22 FL countiesAPY based on $10,000
Radiant4.08%$1k22 FL counties
All In4.07%$1k3 FL counties
Transport4.01%$100k4 FL counties$100,000 minimum deposit
HSBC Bank USA, National Association4.00%$1kAnyoneMinimum balance to open account online: $1,000; only available to existing Premier customers
HSBC Bank USA, National Association4.00%$1kAnyoneAccounts opened over telephone or in a Wealth Center
Newtek Bank, National Association4.00%$2.5kAnyoneMinimum $2,500 to open, maximum $250,000 per account; early withdrawal penalties may apply
CIBC Bank USA4.00%$1kAnyone
Barclays Bank (US Online) online4.00%—AnyoneNo minimum opening balance or deposit required to open
DFCU Financial4.00%$1kRegional
DFCU Financial4.00%$25kRegional
DFCU Financial4.00%$100kRegional
Jetstream4.00%$5002 FL counties
Jetstream4.00%$50k2 FL counties
Jetstream4.00%$5k2 FL countiesGolden Eagle members must maintain $10,000 in deposit accounts
SUMA4.00%$1kEmployer / group membersEarly withdrawal penalty: 3 months dividends
Gallup4.00%$50kEmployer / group members
Grow Financial3.97%$100kEmployer / group members6 - 11 months
Marcus by Goldman Sachs online3.95%$500AnyoneEarly withdrawal penalty applies
Suncoast3.95%$100kRegionalFixed rate
Blue Coast3.95%$1k13 FL counties
Stearns Bank National Association3.94%$500AnyoneInterest paid at maturity; IRA funds eligible; no early withdrawal penalty
Stearns Bank National Association3.94%$500AnyoneExpected Annual % Yield; profit paid at maturity
Republic Bank & Trust Company3.90%$1kAnyone6-month APY from an alternate zip-code rate table
Grow Financial3.87%$500Employer / group members6 - 11 months
Ally Bank online3.85%—AnyoneNo minimum deposit to open
Space Coast3.85%$50034 FL counties
Miami Firefighters3.85%$1kEmployer / group members
Gulf Coast Business Bank3.82%$5kAnyoneMinimum $5,000 to open and to obtain APY
Florida West Coast3.82%$1kEmployer / group membersDividend rate 3.75%; $1,000.00 balance required to earn dividend rate
Miami3.80%$10kAnyone (via a partner group)
Republic Bank & Trust Company3.80%$1kAnyone6-month APY varies by zip-code rate table (3.80% in two tables)
Wings Credit Union3.80%$500Anyone (via a partner group)printed term range 6-11 months
Connect Credit Union3.76%$20k31 FL counties
Republic Bank & Trust Company3.75%$1kAnyone6-month APY from an alternate zip-code rate table
Community Credit Union of Florida3.75%$1k6 FL countiesMinimum amount to open a CD is $1,000 unless noted otherwise
Tru-Fi3.75%—3 FL counties
Tru-Fi3.75%$5k3 FL counties
Tru-Fi3.75%$25k3 FL counties
Tru-Fi3.75%$50k3 FL counties
Tru-Fi3.75%$75k3 FL counties
Tru-Fi3.75%$100k3 FL counties
Transport3.75%—4 FL counties
Firefighters First3.75%$100kEmployer / group members
Connect Credit Union3.71%$1k31 FL counties
Suncoast3.70%$500RegionalFixed rate
Launch Credit Union3.70%$1k9 FL counties
RadiFi3.70%$1MAnyone (via a partner group)
City-County Employees3.70%$500Anyone (via a partner group)Interest paid monthly
Firefighters First3.70%$50kEmployer / group members
GTE Financial3.66%$100kAnyone (via a partner group)
TruGrocer3.66%$50kEmployer / group members
Locality Bank3.65%$2.5kAnyoneInterest rate 3.585%; penalty for early withdrawal
FAIRWINDS3.65%$1kAnyone (via a partner group)
RadiFi3.65%$750kAnyone (via a partner group)
Platinum3.65%$1kEmployer / group members
Platinum3.65%$10kEmployer / group members
Platinum3.65%$25kEmployer / group members
Platinum3.65%$100kEmployer / group members
Firefighters First3.65%$1kEmployer / group members
BayFirst National Bank3.64%$1kAnyone
Loyalty3.62%—Rules not yet verified
EverBank, National Association3.60%$1kAnyone
Bradesco Bank3.60%$500kAnyone
Anthem Bank & Trust3.60%$100kAnyoneMonthly interest; maturity 01-14-2027
RadiFi3.60%$500kAnyone (via a partner group)
Memorial Employees Financial3.60%$1kEmployer / group membersEarly withdrawal penalties may apply
Memorial Employees Financial3.60%$25kEmployer / group membersEarly withdrawal penalties may apply
PowerNet3.60%$500Employer / group membersEarly withdrawal penalties may apply
Alliant Credit Union online3.60%$1kOpen to all (see page)6-11 month term
Alliant Credit Union online3.60%$75kOpen to all (see page)6-11 month term
Community First Credit Union of Florida3.56%$1M17 FL countiesPrinted term range 6-11 months
JM Associates3.56%$50kEmployer / group membersMinimum $50,000.00 tier
TruGrocer3.56%$10kEmployer / group members
Lake Michigan3.55%$500RegionalVIP bonus rate
RadiFi3.55%$250kAnyone (via a partner group)
Community South3.55%$5009 FL countiesDividend rate 3.50%
Northrop Grumman3.55%$2.5kEmployer / group members
Together3.55%$1kEmployer / group membersHousehold relationship of $25,000 or more in loan and deposit balances
Together3.55%$1kEmployer / group members
Miami3.55%$200Anyone (via a partner group)
Orlando3.51%$100kAnyone (via a partner group)
JM Associates3.51%$1kEmployer / group membersMinimum $1,000.00 tier
Axiom Bank, National Association3.50%$500Anyone
Anthem Bank & Trust3.50%$100kAnyoneMonthly interest; maturity 01-14-2027
Anthem Bank & Trust3.50%$100kAnyoneMonthly interest; maturity 01-14-2027 (second listing)
Nicolet National Bank3.50%$2.5kAnyoneRelationship defined as Direct Deposit Checking
RadiFi3.50%$100kAnyone (via a partner group)
Panhandle3.50%—7 FL counties
Partners3.50%$1kEmployer / group membersMinimum balance $1,000 maintained for full term; members 55+ may receive 0.10% APY increase; APY as of October 1, 2026
Coastline3.50%$1k5 FL countiesPenalty for early withdrawal.
Tampa Postal3.50%$500Employer / group members
Dort Financial3.50%$100k4 FL counties
Together3.50%$1kEmployer / group members
Gallup3.50%$10kEmployer / group members
Orlando3.46%$1kAnyone (via a partner group)
First Florida3.45%$1kRules not yet verified
Broward Healthcare3.45%$50k1 FL county$50,000 minimum balance; early withdrawal penalties apply
Dort Financial3.45%$1k4 FL counties
TruGrocer3.45%$500Employer / group members
Bradesco Bank3.40%$250kAnyone
GTE Financial3.40%$500Anyone (via a partner group)
Lake Michigan3.40%$500RegionalVIP bonus rate
Insight3.40%$1MAnyone (via a partner group)
RadiFi3.40%$50kAnyone (via a partner group)
Ocala Community3.40%$5001 FL county
Ocala Community3.40%$5k1 FL county
Ocala Community3.40%$50k1 FL county
Ocala Community3.40%$100k1 FL county
Okaloosa County Teachers3.35%$1k1 FL countyMinimum $1,000.00 required
Bradesco Bank3.35%$5kAnyone
Addition Financial3.35%$1k43 FL countiesTerm range 6-11 months
Eglin3.35%$2.5k4 FL counties
Tropical Financial3.35%$500Rules not yet verified$500 minimum to open
Tampa Bay3.35%$500Anyone (via a partner group)
Tampa Bay3.35%$50kAnyone (via a partner group)
Tampa Bay3.35%$100kAnyone (via a partner group)
Broward Healthcare3.35%$1k1 FL county$1,000 minimum balance; early withdrawal penalties apply
Publix Employees3.33%$100kEmployer / group members
DLP Bank3.30%$1kAnyoneMinimum deposit to open is $1,000. Penalty for early withdrawal.
Community First Credit Union of Florida3.30%$750k17 FL countiesPrinted term range 6-11 months
Lake Michigan3.30%$500Regional
Insight3.30%$1kAnyone (via a partner group)
Insight3.30%$100kAnyone (via a partner group)
Educational3.30%$100kEmployer / group members
Trax3.30%$100kEmployer / group membersCompounded daily. Penalty for early withdrawal.
RadiFi3.30%$500Anyone (via a partner group)
RadiFi3.30%$2.5kAnyone (via a partner group)
RadiFi3.30%$25kAnyone (via a partner group)
Crews Bank & Trust3.28%$500Anyone
IncredibleBank3.25%—AnyoneNo early withdrawal penalty on 6-Month CD
Commerce Bank & Trust3.25%$500Anyone
Old Dominion National Bank3.25%$500Anyone
Educational3.25%$1kEmployer / group members
Innovations Financial3.25%$1k10 FL counties
Baptist Health South Florida3.25%$50kEmployer / group members
San Antonio Citizens3.25%$1kRules not yet verified
Emerald Coast3.25%$1k2 FL counties$1,000 minimum for Share Certificates, $250 minimum for IRA Certificates; members 55+ receive additional 0.05% APY
Pinellas3.25%$5001 FL county6-Month rate does not apply to IRA Certificates
U.S. Postal Service3.25%$5kEmployer / group members6 Months (182 Days); add funds throughout term
Publix Employees3.22%$500Employer / group members
Nicolet National Bank3.20%$2.5kAnyone
Innovations Financial3.20%$1k10 FL counties
FiCare3.20%$100kEmployer / group members
Everence3.20%$100kAnyone (via a partner group)
Banco do Brasil Americas3.15%$100kAnyoneTerm not available for CD IRA
Lake Michigan3.15%$500Regional
Baptist Health South Florida3.15%$25kEmployer / group members
Everence3.15%$500Anyone (via a partner group)
Trax3.10%$500Employer / group membersCompounded daily. Penalty for early withdrawal.
FiCare3.10%$50kEmployer / group members
Baptist Health South Florida3.05%$500Employer / group members
Jax Fire3.04%$500Employer / group members
Community First Credit Union of Florida3.04%$500k17 FL countiesPrinted term range 6-11 months
TMH3.04%$1kEmployer / group membersMinimum balance $1,000 to obtain APY; compounded monthly
Faith Connection3.04%$1kEmployer / group members
Banco do Brasil Americas3.00%—AnyoneTerm not available for CD IRA
Manufacturers and Traders Trust Company3.00%$1kAnyoneInterest rate 2.96%; does not require a checking or savings account relationship; $750,000 max if opened online
Wilmington Savings Fund Society, FSB3.00%$2.5kAnyone
USF Federal Credit Union3.00%$500Anyone (via a partner group)
FiCare3.00%$500Employer / group members
ECU3.00%$5k6 FL countiesCD minimum balance $5,000
Gallup3.00%$1kEmployer / group members
City National Bank2.84%$10kAnyone
Community First Credit Union of Florida2.78%$250k17 FL countiesPrinted term range 6-11 months
First Bank2.75%$500Anyone
Gala Bank2.75%—Anyone
Community First Credit Union of Florida2.73%$100k17 FL countiesPrinted term range 6-11 months
Community First Credit Union of Florida2.68%$45k17 FL countiesPrinted term range 6-11 months
Bradesco Bank2.65%$100kAnyone
Community First Credit Union of Florida2.58%$50017 FL countiesPrinted term range 6-11 months
Alive2.45%$5005 FL countiesDividends paid monthly
Unity of Eatonville2.27%$1k1 FL countyAPR 2.25%
BankUnited, National Association2.25%$1kAnyone
First-Citizens Bank & Trust Company2.25%$500AnyoneTerm listed as 6 to 11 months; yields may vary by area
Woodforest National Bank2.25%$500Anyone
PenAir2.20%—1 FL county
iTHINK Financial2.05%$50031 FL counties
Miami Postal Service2.05%$1k6 FL counties
Members First Credit Union of Florida2.00%$5003 FL counties
We Florida Financial2.00%$50046 FL counties
We Florida Financial2.00%$50k46 FL counties
We Florida Financial2.00%$10k46 FL counties
Santa Rosa County2.00%$1k3 FL counties
Hello2.00%$5008 FL counties
My Pensacola2.00%$1k1 FL county
Farmers2.00%—Employer / group members
Credit Union 12.00%$1kAnyone (via a partner group)Early withdrawal penalty 90 days' dividends
Credit Union 12.00%$10kAnyone (via a partner group)
Credit Union 12.00%$1kAnyone (via a partner group)
Credit Union 12.00%$1kAnyone (via a partner group)Business rates as of last dividend declaration date July 29, 2026
Credit Union 12.00%$10kAnyone (via a partner group)Business rates as of last dividend declaration date July 29, 2026
TD Bank, National Association1.99%$0.01Anyone
TD Bank, National Association1.99%$10kAnyone
TD Bank, National Association1.99%$50kAnyone
TD Bank, National Association1.99%$100kAnyone
Dade County1.91%$5004 FL counties
McCoy1.81%$100k4 FL counties
McCoy1.71%$25k4 FL counties
McCoy1.61%$5k4 FL counties
McCoy1.51%$1k4 FL counties
Florida A&M University1.51%$500Employer / group members
Ukrainian1.51%$500Employer / group members
MIDFLORIDA1.50%$1kRegional
First Commerce1.50%—Anyone (via a partner group)
Gulf Winds1.40%$50036 FL counties
1st Street1.26%$150k3 FL counties
1st Street1.21%$75k3 FL counties
1st Street1.15%$1k3 FL counties
First Federal Bank1.07%$100kAnyone$100,000 and up
First Federal Bank1.04%$50kAnyone$50,000 - $99,999.99
First Federal Bank1.01%$1kAnyone$1,000 - $9,999.99
First Federal Bank1.01%$10kAnyone$10,000 - $24,999.99
First Federal Bank1.01%$25kAnyone$25,000 - $49,999.99
University1.00%$500Anyone (via a partner group)
United Bank0.60%$500Anyone
Keys0.60%$5001 FL county
Polish & Slavic0.55%$500Employer / group members
Polish & Slavic0.55%$50kEmployer / group members
Polish & Slavic0.55%$90kEmployer / group members
Florida A&M University0.50%$500Employer / group members
Priority0.50%$5006 FL counties
The Warrington Bank0.30%—Anyone
Bank of Pensacola0.30%—AnyoneEarly withdrawal penalty equal to 30 days' interest on amount withdrawn
Harvesters0.30%$5002 FL counties
Gold Coast0.25%$1kAnyone (via a partner group)Early withdrawal penalty; monthly dividends
Gold Coast0.25%$250Anyone (via a partner group)
Sunstate Bank0.20%—Anyone
FloridaCentral0.16%$500Employer / group members
United Southern Bank0.15%$1kAnyone182 days
BankPlus0.15%$1kAnyoneInterest credited at maturity; 180 days
Florida Customs0.15%$500Employer / group members
First Horizon Bank0.10%—Anyone180 days
United Southern Bank0.10%$1kAnyone182 days
1st Source Bank0.10%$2.5kAnyone182 day term
Wells Fargo Bank, National Association0.06%$2.5kAnyoneSame 0.06% relationship APY for all balance tiers — Miami/Jacksonville pricing (varies by location)
Wells Fargo Bank, National Association0.05%$2.5kAnyoneSame 0.05% APY for all balance tiers $0 to $100,000+ — Miami/Tampa/Jacksonville pricing (varies by location)
Wells Fargo Bank, National Association0.05%$2.5kAnyoneAll balance tiers $0-$100,000+ same APY; relationship APY 0.06% — Orlando pricing (varies by location)
TD Bank, National Association0.05%—Anyone
PNB Community Bank0.05%$1kAnyone

6 mo promos & specials

InstitutionAPYMinimumWho can openThe catch
Climate First Bank4.33% promo$500Anyone6-Month Penalty-Free CD — No penalty for early withdrawals; no additional deposits; rate accurate as of 9-15-2026
Amerant Bank, National Association4.25% promo$10k (cap $250k)AnyoneCertificate of Deposit (Florida) - promotional — Promotional CD offer for Florida residents; valid as of 09/10/2026; must open by 10/09/2026; min $10,000 from external source; max $250,000 per account/$500,000
iTHINK Financial4.25% promo$25k31 FL countiesSpecial Certificate Account (Premium, $25,000 min)
Pacific National Bank4.20% promo—AnyoneCertificate of Deposit (online special) — New Money Only; domestic personal accounts opened online
Valley National Bank4.10% promo$500Anyone6-Month CD Promotion — New money deposit only; $500 minimum to open
HSBC Bank USA, National Association4.05% promo$1kAnyoneNew Money CD — New money required; minimum balance to open online $1,000
American Airlines4.05% promo$1kEmployer / group membersShort-Term Share Certificate — Effective 01/01/2026
United Bank4.00% promo$1kAnyoneCD Special — Minimum balance $1,000 to obtain APY
United Bank4.00% promo$1kAnyoneCD Special IRA — IRA; minimum balance $1,000
City National Bank4.00% promo$10kAnyoneSpecial 6-Month Fixed Rate CD — New money required
Dade County4.00% promo$5004 FL countiesShare Certificate Promotional — Promotional rates effective as of August 24, 2026; 4.00% APY 6-Month effective 6/1/2026; minimum opening balance $500
Banesco USA3.95% promo$1kAnyoneSpecial CD (Continental U.S.) — Continental U.S. clients; new money; minimum opening deposit $1,000
U. S. Century Bank3.85% promo$25kAnyonePromotional CD (6-9 month term) — Printed as '6-9 month CD term'; new money only; minimum opening deposit and balance $25,000; early withdrawal penalty
BankUnited, National Association3.75% promo$1k (cap $250k)AnyoneCD (Promotional Rate) — Promotional rate; online accounts
INB, National Association3.71% promo$1kAnyoneCD Special (customers with INB loan or INB checking with dir — Requires INB loan or INB checking account with monthly direct deposit; no additional deposits; 90 days interest early withdrawal penalty
Northrop Grumman3.66% promo$40kEmployer / group membersBonus Certificate — Minimum daily balance to earn APY $40,000
Community First Credit Union of Florida3.56% promo$1M17 FL counties6 Month SaveUP CD - Super Jumbo Max — Featured CD
Ocean Bank3.50% promo$2.5kAnyoneCD Special (promotion) — Must be new money to Ocean Bank; $2,500 minimum to open; not available for IRA CDs; early withdrawal penalty
INB, National Association3.43% promo$1kAnyoneCD Special — No additional deposits; 90 days interest early withdrawal penalty
Manufacturers and Traders Trust Company3.35% promo$1k (cap $1M)AnyoneM&T Select Certificate of Deposit — Interest rate 3.30%; requires qualifying M&T checking account
Community First Credit Union of Florida3.30% promo$750k17 FL counties6 Month SaveUP CD - Super Jumbo Plus — Featured CD
U.S. Bank National Association3.25% promo$1k (cap $250k)AnyoneCD Special — New CD Special clients; tiers $1,000-$250,000; not valid for clients with U.S. Bank CD closed within past 60 days; ZIP 33131
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; renews into regular certificate at preva
Community First Credit Union of Florida3.04% promo$500k17 FL counties6 Month SaveUP CD - Super Jumbo — Featured CD
Community First Credit Union of Florida2.78% promo$250k17 FL counties6 Month SaveUP CD - Jumbo Plus — Featured CD
Community First Credit Union of Florida2.73% promo$100k17 FL counties6 Month SaveUP CD - Jumbo — Featured CD
Community First Credit Union of Florida2.68% promo$45k17 FL counties6 Month SaveUP CD - Jr. Jumbo — Featured CD
Community First Credit Union of Florida2.58% promo$25017 FL counties6 Month SaveUP CD - Standard — Featured CD; available to college/vocational/technical school students
TD Bank, National Association2.00% promo$0.01 (cap $10k)AnyoneTD Choice CD Promotional ($0.01-$9,999.99)
TD Bank, National Association2.00% promo$10k (cap $50k)AnyoneTD Choice CD Promotional ($10,000-$49,999.99)
TD Bank, National Association2.00% promo$50k (cap $100k)AnyoneTD Choice CD Promotional ($50,000-$99,999.99)
TD Bank, National Association2.00% promo$100kAnyoneTD Choice CD Promotional ($100,000+)

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