Every CD rate below was read from the bank's or credit union's own website and re-checked daily — including the Florida credit unions the national sites never track, with a plain answer to the question they all skip: can I join?
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Best standard rates everyday rates, no gimmicks
One row per institution: its best regular CD for your filters. Promotional specials live on the Promo Watch board below.
Institution
APY
Term
Min deposit
Who can open it
Promo Watch specials & limited offers
The eye-catching numbers — with the catch printed right next to them. Caps, new-money rules, and employee gates shown, never hidden.
Institution
APY
Term
Min / Max
The catch
Why BetterAPY is different
Read from the source, daily
We don't survey, estimate, or copy other rate sites. Our collector reads each institution's own published rate sheet every morning and shows you the date on everything.
"Can I actually join?" answered
Credit unions pay the best rates in Florida — and every one has membership rules. We read them and turn them into one plain sentence, so you only chase rates you qualify for.
No pay-to-rank, ever
Rankings are ordered by APY and your filters. Nothing here paid to be listed, and a promo's fine print is part of the listing, not a footnote.