Florida CD rates › 18 mo CDs
✓ 178 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.
| Institution | APY | Minimum | Who can open | Conditions |
|---|---|---|---|---|
| Raymond James Bank | 4.65% | $1k | Anyone | Min opening deposit $2,000 via brokerage account, $1,000 otherwise |
| Popular Direct online | 4.55% | $10k | Anyone | $10,000 minimum deposit |
| Suncoast | 4.50% | $100k | Regional | Fixed rate |
| Suncoast | 4.50% | $500 | Regional | Fixed rate |
| Launch Credit Union | 4.50% | $1k | 9 FL counties | |
| Beal Bank USA | 4.35% | $1k | Anyone | |
| Synchrony Bank online | 4.35% | — | Anyone | |
| OMB Bank online | 4.31% | $1k | Anyone | Compounded quarterly |
| CFG Bank online | 4.30% | $500 | Anyone | No additional deposits after initial deposit |
| All In | 4.28% | $100k | 3 FL counties | |
| Nicolet National Bank | 4.25% | $2.5k | Anyone | Relationship defined as Direct Deposit Checking |
| Ally Bank online | 4.25% | — | Anyone | No minimum deposit to open |
| Space Coast | 4.25% | $500 | 34 FL counties | |
| TD Bank, National Association | 4.24% | $0.01 | Anyone | |
| TD Bank, National Association | 4.24% | $10k | Anyone | |
| TD Bank, National Association | 4.24% | $50k | Anyone | |
| TD Bank, National Association | 4.24% | $100k | Anyone | |
| Community First Credit Union of Florida | 4.24% | $1M | 17 FL counties | Printed term range 18-23 months |
| All In | 4.23% | $1k | 3 FL counties | |
| Gala Bank | 4.20% | — | Anyone | |
| Anthem Bank & Trust | 4.15% | $100k | Anyone | Monthly interest; maturity 01-24-2028 |
| CIBC Bank USA | 4.15% | $1k | Anyone | |
| Navy Federal Credit Union | 4.15% | $100k | Employer / group members | |
| Miami Firefighters | 4.15% | $1k | Employer / group members | |
| Anthem Bank & Trust | 4.10% | $100k | Anyone | Semi-annual interest; maturity 01-24-2028 |
| Navy Federal Credit Union | 4.10% | $1k | Employer / group members | |
| Navy Federal Credit Union | 4.10% | $20k | Employer / group members | |
| Tropical Financial | 4.10% | $500 | Rules not yet verified | $500 minimum to open |
| Blue Coast | 4.08% | $1k | 13 FL counties | |
| Anthem Bank & Trust | 4.05% | $100k | Anyone | Semi-annual interest; maturity 01-24-2028 |
| Commerce Bank & Trust | 4.00% | $500 | Anyone | |
| Santa Rosa County | 4.00% | $1k | 3 FL counties | |
| Quorum Federal Credit Union online | 4.00% | $100 | Open to all (see page) | |
| Community First Credit Union of Florida | 3.98% | $750k | 17 FL counties | Printed term range 18-23 months |
| Nicolet National Bank | 3.95% | $2.5k | Anyone | |
| Grow Financial | 3.92% | $100k | Employer / group members | 18 - 23 months |
| Newtek Bank, National Association | 3.90% | $2.5k | Anyone | |
| Wings Credit Union | 3.85% | $500 | Anyone (via a partner group) | printed term range 18-23 months |
| Grow Financial | 3.82% | $500 | Employer / group members | 18 - 23 months |
| Anthem Bank & Trust | 3.80% | $100k | Anyone | Monthly interest; maturity 01-14-2028 |
| Anthem Bank & Trust | 3.80% | $100k | Anyone | Monthly interest; maturity 01-14-2028 (second listing) |
| Community First Credit Union of Florida | 3.77% | $500k | 17 FL counties | Printed term range 18-23 months |
| Coastline | 3.75% | $75k | 5 FL counties | Penalty for early withdrawal. |
| Gallup | 3.75% | $50k | Employer / group members | |
| Anthem Bank & Trust | 3.70% | $100k | Anyone | Monthly interest; maturity 01-14-2028 |
| Coastline | 3.70% | $40k | 5 FL counties | Penalty for early withdrawal. |
| Stearns Bank National Association | 3.66% | $500 | Anyone | IRA funds eligible; penalty may be imposed for early withdrawal; compounds annually |
| Stearns Bank National Association | 3.66% | $500 | Anyone | Expected Annual % Yield; compounds annually |
| Anthem Bank & Trust | 3.65% | $200k | Anyone | Monthly interest; maturity 01-14-2028 |
| Lake Michigan | 3.65% | $500 | Regional | VIP bonus rate |
| First Florida | 3.65% | $1k | Rules not yet verified | |
| Innovations Financial | 3.65% | $1k | 10 FL counties | |
| 1st Street | 3.65% | $150k | 3 FL counties | |
| Coastline | 3.65% | $1k | 5 FL counties | Penalty for early withdrawal. |
| Alliant Credit Union online | 3.65% | $75k | Open to all (see page) | 18-23 month term |
| Alliant Credit Union online | 3.60% | $1k | Open to all (see page) | 18-23 month term |
| Innovations Financial | 3.59% | $1k | 10 FL counties | |
| GTE Financial | 3.56% | $100k | Anyone (via a partner group) | |
| 1st Street | 3.55% | $75k | 3 FL counties | |
| Dort Financial | 3.55% | $500 | 4 FL counties | |
| Eglin | 3.51% | $2.5k | 4 FL counties | |
| JM Associates | 3.51% | $50k | Employer / group members | Minimum $50,000.00 tier |
| Okaloosa County Teachers | 3.50% | $1k | 1 FL county | Minimum $1,000.00 required |
| Anthem Bank & Trust | 3.50% | $100k | Anyone | Monthly interest; maturity 01-14-2028 |
| Lake Michigan | 3.50% | $500 | Regional | VIP bonus rate |
| Alive | 3.50% | $500 | 5 FL counties | Dividends paid monthly |
| DFCU Financial | 3.50% | $100k | Regional | |
| Community Credit Union of Florida | 3.50% | $1k | 6 FL counties | |
| 1st Street | 3.50% | $1k | 3 FL counties | |
| Tru-Fi | 3.50% | — | 3 FL counties | |
| Tru-Fi | 3.50% | $5k | 3 FL counties | |
| Tru-Fi | 3.50% | $25k | 3 FL counties | |
| Tru-Fi | 3.50% | $50k | 3 FL counties | |
| Tru-Fi | 3.50% | $75k | 3 FL counties | |
| Tru-Fi | 3.50% | $100k | 3 FL counties | |
| JM Associates | 3.46% | $1k | Employer / group members | Minimum $1,000.00 tier |
| Axiom Bank, National Association | 3.45% | $500 | Anyone | |
| Community First Credit Union of Florida | 3.41% | $250k | 17 FL counties | Printed term range 18-23 months |
| EverBank, National Association | 3.40% | $1k | Anyone | |
| Lake Michigan | 3.40% | $500 | Regional | |
| Gulf Winds | 3.40% | $500 | 36 FL counties | |
| Alive | 3.40% | $100 | 5 FL counties | Unlimited add-on deposits until maturity |
| Baptist Health South Florida | 3.40% | $50k | Employer / group members | |
| Old Dominion National Bank | 3.35% | $500 | Anyone | |
| DFCU Financial | 3.35% | $25k | Regional | |
| San Antonio Citizens | 3.35% | $1k | Rules not yet verified | |
| Priority | 3.35% | $500 | 6 FL counties | |
| Loyalty | 3.32% | — | Rules not yet verified | |
| GTE Financial | 3.30% | $500 | Anyone (via a partner group) | |
| Educational | 3.30% | $100k | Employer / group members | |
| Trax | 3.30% | $100k | Employer / group members | |
| Baptist Health South Florida | 3.30% | $25k | Employer / group members | |
| Together | 3.30% | $1k | Employer / group members | Household relationship of $25,000 or more |
| Together | 3.30% | $1k | Employer / group members | |
| Everence | 3.30% | $100k | Anyone (via a partner group) | |
| Republic Bank & Trust Company | 3.25% | $1k | Anyone | |
| Lake Michigan | 3.25% | $500 | Regional | |
| Educational | 3.25% | $1k | Employer / group members | |
| DFCU Financial | 3.25% | $1k | Regional | |
| Tampa Postal | 3.25% | $500 | Employer / group members | |
| Together | 3.25% | $1k | Employer / group members | |
| Everence | 3.25% | $500 | Anyone (via a partner group) | |
| Gallup | 3.25% | $10k | Employer / group members | |
| Baptist Health South Florida | 3.20% | $500 | Employer / group members | |
| Memorial Employees Financial | 3.15% | $1k | Employer / group members | Early withdrawal penalties may apply |
| Memorial Employees Financial | 3.15% | $25k | Employer / group members | Early withdrawal penalties may apply |
| Bradesco Bank | 3.12% | $5k | Anyone | |
| Community First Credit Union of Florida | 3.10% | $100k | 17 FL counties | Printed term range 18-23 months |
| Trax | 3.10% | $500 | Employer / group members | |
| Orlando | 3.09% | $100k | Anyone (via a partner group) | |
| Dade County | 3.07% | $500 | 4 FL counties | |
| Dade County | 3.07% | $10k | 4 FL counties | |
| Dade County | 3.07% | $30k | 4 FL counties | |
| DLP Bank | 3.05% | $1k | Anyone | Minimum deposit to open is $1,000. Penalty for early withdrawal. |
| Community First Credit Union of Florida | 3.05% | $45k | 17 FL counties | Printed term range 18-23 months |
| RadiFi | 3.05% | $100k | Anyone (via a partner group) | |
| RadiFi | 3.05% | $250k | Anyone (via a partner group) | |
| RadiFi | 3.05% | $500k | Anyone (via a partner group) | |
| RadiFi | 3.05% | $750k | Anyone (via a partner group) | |
| RadiFi | 3.05% | $1M | Anyone (via a partner group) | |
| Miami | 3.03% | $10k | Anyone (via a partner group) | |
| IncredibleBank | 3.00% | — | Anyone | |
| Barclays Bank (US Online) online | 3.00% | — | Anyone | No minimum opening balance or deposit required to open |
| USF Federal Credit Union | 3.00% | $500 | Anyone (via a partner group) | |
| My Pensacola | 3.00% | $1k | 1 FL county | |
| My Pensacola | 3.00% | — | 1 FL county | Penalty for early withdrawal |
| Gallup | 3.00% | $1k | Employer / group members | |
| Community First Credit Union of Florida | 2.99% | $500 | 17 FL counties | Printed term range 18-23 months |
| Bradesco Bank | 2.95% | $500k | Anyone | |
| Bradesco Bank | 2.95% | $250k | Anyone | |
| Bradesco Bank | 2.95% | $100k | Anyone | |
| RadiFi | 2.90% | $50k | Anyone (via a partner group) | |
| RadiFi | 2.80% | $25k | Anyone (via a partner group) | |
| RadiFi | 2.75% | $2.5k | Anyone (via a partner group) | |
| First Commerce | 2.75% | — | Anyone (via a partner group) | |
| Polish & Slavic | 2.75% | $90k | Employer / group members | |
| RadiFi | 2.70% | $500 | Anyone (via a partner group) | |
| Republic Bank & Trust Company | 2.65% | $1k | Anyone | |
| Miami | 2.52% | $200 | Anyone (via a partner group) | |
| Amerant Bank, National Association | 2.50% | $10k | Anyone | |
| Wilmington Savings Fund Society, FSB | 2.50% | $2.5k | Anyone | |
| Hello | 2.50% | $500 | 8 FL counties | |
| Miami Postal Service | 2.50% | $1k | 6 FL counties | |
| Polish & Slavic | 2.50% | $50k | Employer / group members | |
| PenAir | 2.40% | — | 1 FL county | |
| Emerald Coast | 2.38% | $1k | 2 FL counties | $1,000 minimum for Share Certificates, $250 minimum for IRA Certificates; members 55+ receive additional 0.05% APY |
| Polish & Slavic | 2.25% | $500 | Employer / group members | |
| First Bank | 2.10% | $500 | Anyone | |
| Jetstream | 2.02% | $500 | 2 FL counties | |
| MIDFLORIDA | 2.00% | $1k | Regional | |
| Florida A&M University | 1.26% | $500 | Employer / group members | |
| Florida A&M University | 1.25% | $500 | Employer / group members | |
| First Federal Bank | 1.07% | $100k | Anyone | $100,000 and up |
| First Federal Bank | 1.06% | $50k | Anyone | $50,000 - $99,999.99 |
| First Federal Bank | 1.05% | $1k | Anyone | $1,000 - $9,999.99 |
| First Federal Bank | 1.05% | $10k | Anyone | $10,000 - $24,999.99 |
| First Federal Bank | 1.05% | $25k | Anyone | $25,000 - $49,999.99 |
| Harvesters | 0.50% | $500 | 2 FL counties | |
| Florida Capital Bank, National Association | 0.35% | $2k | Anyone | Minimum opening balance Personal: $2,000 | Business: $10,000 |
| 1st Source Bank | 0.30% | $500 | Anyone | |
| FloridaCentral | 0.26% | $500 | Employer / group members | |
| Sunstate Bank | 0.25% | — | Anyone | |
| Florida Customs | 0.25% | $500 | Employer / group members | |
| United Southern Bank | 0.20% | $1k | Anyone | |
| United Southern Bank | 0.15% | $1k | Anyone | |
| United Southern Bank | 0.15% | $1k | Anyone | Variable rate |
| PNB Community Bank | 0.10% | $1k | Anyone | |
| PNB Community Bank | 0.10% | $1k | Anyone | Variable rate |
| First-Citizens Bank & Trust Company | 0.02% | $500 | Anyone |
| Institution | APY | Minimum | Who can open | The catch |
|---|---|---|---|---|
| United Bank | 4.35% promo | $1k | Anyone | CD Special |
| United Bank | 4.35% promo | $1k | Anyone | CD Special IRA — IRA |
| TD Bank, National Association | 4.25% promo | $0.01 (cap $10k) | Anyone | TD Choice CD Promotional ($0.01-$9,999.99) |
| TD Bank, National Association | 4.25% promo | $10k (cap $50k) | Anyone | TD Choice CD Promotional ($10,000-$49,999.99) |
| TD Bank, National Association | 4.25% promo | $50k (cap $100k) | Anyone | TD Choice CD Promotional ($50,000-$99,999.99) |
| TD Bank, National Association | 4.25% promo | $100k | Anyone | TD Choice CD Promotional ($100,000+) |
| McCoy | 4.23% promo | $1k | 4 FL counties | Share Certificate ($1,000-$100,000+) — Listed under Promotional CD rates |
| Manufacturers and Traders Trust Company | 3.85% promo | $1k (cap $1M) | Anyone | M&T Select Certificate of Deposit (18 Month Select, featured — Interest rate 3.78%; requires qualifying M&T checking account |
| Baxter | 3.65% promo | $500 | Anyone (via a partner group) | CD Special — APY based on qualifying for Rewards Rate (two qualifying relationships) |
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