Florida CD rates › By county › Miami-Dade County › West Miami
✓ 2 institutions with branches in West Miami · 114 you can open · verified 2026-10-01
West Miami 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 | 0.15% | Sunstate Bank Bank · branch in West Miami · 3 FL branches | — | Anyone |
| 6 mo | 0.20% | Sunstate Bank Bank · branch in West Miami · 3 FL branches | — | Anyone |
| 1 yr | 0.25% | Sunstate Bank Bank · branch in West Miami · 3 FL branches | — | Anyone |
| 18 mo | 0.25% | Sunstate Bank Bank · branch in West Miami · 3 FL branches | — | Anyone |
| 2 yr | 0.30% | Sunstate Bank Bank · branch in West Miami · 3 FL branches | — | Anyone |
| 3 yr | 0.40% | Sunstate Bank Bank · branch in West Miami · 3 FL branches | — | Anyone |
| 4 yr | 0.45% | Sunstate Bank Bank · branch in West Miami · 3 FL branches | — | Anyone |
| 5 yr | 0.50% | Sunstate Bank Bank · branch in West Miami · 3 FL branches | — | 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 |
|---|---|---|
| Sunstate Bank Bank · branch in West Miami · 3 FL branches | 0.50% 5 yr · — min | Anyone |
| Ocean Bank Bank · branch in West Miami · 24 FL branches | promos only — see page | Anyone |
Also with branches in West Miami, but not posting CD rates on their websites (ask in the branch): City National Bank of Florida.
| Institution | APY | Term | Minimum | The catch |
|---|---|---|---|---|
| Sunstate Bank Bank · branch in West Miami · 3 FL branches | 4.25% promo | 7 mo | $1k | Promotional CD ($1,000+) — 7 months, balance $1,000 or more |
| Sunstate Bank Bank · branch in West Miami · 3 FL branches | 4.10% promo | 13 mo | $1k | Promotional CD ($1,000+) — 13 months, balance $1,000 or more |
| Ocean Bank Bank · branch in West Miami · 24 FL branches | 3.50% promo | 6 mo | $2.5k | CD Special (promotion) — Must be new money to Ocean Bank; $2,500 minimum to open; not available for IRA CDs; early withdrawal penalty |
| Sunstate Bank Bank · branch in West Miami · 3 FL branches | 0.10% promo | 1 mo | $1k | Promotional CD ($1,000+) — 30 days, balance $1,000 or more |
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