Florida CD rates › By county › Miami-Dade County › Miami Beach
✓ 10 institutions with branches in Miami Beach · 114 you can open · verified 2026-10-01
Miami Beach is in Miami-Dade County. Banks and online banks are open to anyone; credit unions appear only when their charter covers the county or they are open to all. Rates move; the date above is when we last read each sheet.
| Term | Best local APY | Institution | Minimum | Who can open |
|---|---|---|---|---|
| 3 mo | 1.99% | TD Bank, National Association Bank · branch in Miami Beach · 166 FL branches | $0.01 | Anyone |
| 6 mo | 1.99% | TD Bank, National Association Bank · branch in Miami Beach · 166 FL branches | $0.01 | Anyone |
| 9 mo | 3.49% | TD Bank, National Association Bank · branch in Miami Beach · 166 FL branches | $0.01 | Anyone |
| 1 yr | 4.25% | Citibank, National Association Bank · branch in Miami Beach · 53 FL branches | $500 | Anyone |
| 18 mo | 4.24% | TD Bank, National Association Bank · branch in Miami Beach · 166 FL branches | $0.01 | Anyone |
| 2 yr | 4.29% | TD Bank, National Association Bank · branch in Miami Beach · 166 FL branches | $0.01 | Anyone |
| 3 yr | 1.99% | TD Bank, National Association Bank · branch in Miami Beach · 166 FL branches | $0.01 | Anyone |
| 4 yr | 0.10% | First Horizon Bank Bank · branch in Miami Beach · 76 FL branches | — | Anyone |
| 5 yr | 1.99% | TD Bank, National Association Bank · branch in Miami Beach · 166 FL branches | $0.01 | Anyone |
3 mo 4.10% Beal Bank USA · 6 mo 4.40% Quorum Federal Credit Union · 9 mo 4.40% OMB Bank · 1 yr 4.50% Quorum Federal Credit Union · 18 mo 4.65% Raymond James Bank · 2 yr 4.70% Raymond James Bank · 3 yr 4.85% Raymond James Bank · 4 yr 4.95% Raymond James Bank · 5 yr 5.00% Raymond James Bank
Statewide leaders, the same on every city page — banks and online banks take anyone, and these credit unions are open to all. Membership conditions are on each institution's page.
| Institution | Best standard CD | Who can open |
|---|---|---|
| Popular Bank Bank · branch in Miami Beach · 12 FL branches | 4.35% 25 mo · $1M min | Anyone |
| TD Bank, National Association Bank · branch in Miami Beach · 166 FL branches | 4.29% 2 yr · $0.01 min | Anyone |
| Citibank, National Association Bank · branch in Miami Beach · 53 FL branches | 4.25% 1 yr · $500 min | Anyone |
| Citizens Bank, National Association Bank · branch in Miami Beach · 7 FL branches | 4.15% 5 mo · $25k min | Anyone |
| JPMorgan Chase Bank, National Association Bank · branch in Miami Beach · 419 FL branches | 4.00% 7 mo · $100k min | Anyone |
| Wells Fargo Bank, National Association Bank · branch in Miami Beach · 463 FL branches | 1.51% 1 yr · $2.5k min | Anyone |
| First Horizon Bank Bank · branch in Miami Beach · 76 FL branches | 0.10% 6 mo · — min | Anyone |
| Truist Bank Bank · branch in Miami Beach · 441 FL branches | promos only — see page | Anyone |
| Ocean Bank Bank · branch in Miami Beach · 24 FL branches | promos only — see page | Anyone |
| BrightStar Credit union · branch in Miami Beach · 10 FL branches | promos only — see page | 23 FL counties |
Also with branches in Miami Beach, but not posting CD rates on their websites (ask in the branch): Bank of America, National Association · Regions Bank · Bank OZK · City National Bank of Florida.
| Institution | APY | Term | Minimum | The catch |
|---|---|---|---|---|
| TD Bank, National Association Bank · branch in Miami Beach · 166 FL branches | 4.30% promo | 2 yr | $0.01 (cap $10k) | TD Choice CD Promotional ($0.01-$9,999.99) — Max $10k |
| TD Bank, National Association Bank · branch in Miami Beach · 166 FL branches | 4.30% promo | 2 yr | $10k (cap $50k) | TD Choice CD Promotional ($10,000-$49,999.99) — Max $50k |
| TD Bank, National Association Bank · branch in Miami Beach · 166 FL branches | 4.30% promo | 2 yr | $50k (cap $100k) | TD Choice CD Promotional ($50,000-$99,999.99) — Max $100k |
| TD Bank, National Association Bank · branch in Miami Beach · 166 FL branches | 4.30% promo | 2 yr | $100k | TD Choice CD Promotional ($100,000+) |
| TD Bank, National Association Bank · branch in Miami Beach · 166 FL branches | 4.25% promo | 18 mo | $0.01 (cap $10k) | TD Choice CD Promotional ($0.01-$9,999.99) — Max $10k |
| TD Bank, National Association Bank · branch in Miami Beach · 166 FL branches | 4.25% promo | 18 mo | $10k (cap $50k) | TD Choice CD Promotional ($10,000-$49,999.99) — Max $50k |
| TD Bank, National Association Bank · branch in Miami Beach · 166 FL branches | 4.25% promo | 18 mo | $50k (cap $100k) | TD Choice CD Promotional ($50,000-$99,999.99) — Max $100k |
| TD Bank, National Association Bank · branch in Miami Beach · 166 FL branches | 4.25% promo | 18 mo | $100k | TD Choice CD Promotional ($100,000+) |
Miami-Dade County · Aventura · Coral Gables · Cutler Bay · Doral · Hialeah · Hialeah Gardens · Homestead · Key Biscayne · Miami · Miami Gardens · Miami Lakes · Miami Shores · Miami Springs · North Miami · North Miami Beach · Palmetto Bay
Best Florida CD rates by term: 3 mo 6 mo 9 mo 1 yr 18 mo 2 yr 3 yr 4 yr 5 yr · by county · by city · all institutions