Ocean Bank CD Rates

Bank · HQ Miami, FL

✓ Verified 2026-10-01 from their own posted rate sheet

Ocean Bank currently posts 1 CD rate from 3.50% to 3.50% APY. Their sheet states an effective date of September 23, 2025.

Their rate sheet is dated Sep 23, 2025 — more than a year ago. These are the rates Ocean Bank still posts today, but confirm them with the bank before you deposit.

Promos & specials

Term	APY	Minimum	The catch / conditions
6 mo	3.50% promo	$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

Florida branches

24 branches in 4 counties: Broward (Fort Lauderdale, Weston) · Miami-Dade (Aventura, Coral Gables, Doral) · Orange (Orlando) · Palm Beach (Boca Raton)

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