Florida CD rates › 3 mo CDs
✓ 141 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 |
|---|---|---|---|---|
| iTHINK Financial | 4.25% | $1k | 31 FL counties | |
| Beal Bank USA | 4.10% | $1k | Anyone | |
| OMB Bank online | 4.05% | $1k | Anyone | Compounded at maturity; $0.01 minimum balance to earn APY |
| Stearns Bank National Association | 3.90% | $500 | Anyone | Interest paid at maturity; IRA funds eligible; no early withdrawal penalty |
| Stearns Bank National Association | 3.90% | $500 | Anyone | Expected Annual % Yield; profit paid at maturity |
| Gulf Coast Business Bank | 3.77% | $5k | Anyone | Minimum $5,000 to open and to obtain APY |
| Space Coast | 3.75% | $500 | 34 FL counties | Min. average daily balance $500 |
| Space Coast | 3.75% | $500 | 34 FL counties | |
| DFCU Financial | 3.75% | $1k | Regional | |
| DFCU Financial | 3.75% | $25k | Regional | |
| DFCU Financial | 3.75% | $100k | Regional | |
| Wings Credit Union | 3.75% | $500 | Anyone (via a partner group) | printed term range 3-5 months |
| All In | 3.71% | $100k | 3 FL counties | |
| All In | 3.66% | $1k | 3 FL counties | |
| Bradesco Bank | 3.65% | $500k | Anyone | |
| EverBank, National Association | 3.60% | $1k | Anyone | |
| Valley National Bank | 3.55% | $500 | Anyone | |
| Lake Michigan | 3.55% | $500 | Regional | VIP bonus rate |
| Community First Credit Union of Florida | 3.51% | $1M | 17 FL counties | Printed term range 3-5 months |
| Launch Credit Union | 3.45% | $1k | 9 FL counties | Existing certificates only - no new accounts offered |
| Bradesco Bank | 3.40% | $5k | Anyone | |
| Lake Michigan | 3.40% | $500 | Regional | Includes 0.25% MORE VIP Relationship Reward Bonus |
| Dort Financial | 3.40% | $1k | 4 FL counties | |
| Dort Financial | 3.40% | $100k | 4 FL counties | |
| Axiom Bank, National Association | 3.35% | $500 | Anyone | |
| SUMA | 3.35% | $1k | Employer / group members | Early withdrawal penalty: 3 months dividends |
| Lake Michigan | 3.30% | $500 | Regional | |
| Community First Credit Union of Florida | 3.25% | $750k | 17 FL counties | Printed term range 3-5 months |
| First Florida | 3.25% | $1k | Rules not yet verified | |
| RadiFi | 3.25% | $1M | Anyone (via a partner group) | |
| Tropical Financial | 3.25% | $500 | Rules not yet verified | $500 minimum to open |
| Panhandle | 3.25% | — | 7 FL counties | |
| Dort Financial | 3.25% | $100 | 4 FL counties | term range 3 months – 1 year |
| Bradesco Bank | 3.20% | $250k | Anyone | |
| Baptist Health South Florida | 3.20% | $50k | Employer / group members | |
| Lake Michigan | 3.15% | $500 | Regional | |
| RadiFi | 3.15% | $750k | Anyone (via a partner group) | |
| Okaloosa County Teachers | 3.14% | $1k | 1 FL county | Minimum $1,000.00 required |
| Eglin | 3.14% | $2.5k | 4 FL counties | 92 day term |
| Raymond James Bank | 3.10% | $1k | Anyone | 90 days; min opening deposit $2,000 if purchased through Raymond James brokerage account, $1,000 if not |
| Baptist Health South Florida | 3.10% | $25k | Employer / group members | |
| Alliant Credit Union online | 3.10% | $1k | Open to all (see page) | 3-5 month term |
| Alliant Credit Union online | 3.10% | $75k | Open to all (see page) | 3-5 month term |
| Nicolet National Bank | 3.05% | $2.5k | Anyone | Relationship defined as Direct Deposit Checking |
| Jax Fire | 3.04% | $500 | Employer / group members | |
| Coastline | 3.01% | $1k | 5 FL counties | Penalty for early withdrawal. |
| Amerant Bank, National Association | 3.00% | $10k | Anyone | Florida only; new funds; $10,000 min in-branch (max $500,000), $500 min online (max $250,000) |
| Wilmington Savings Fund Society, FSB | 3.00% | $2.5k | Anyone | |
| Commerce Bank & Trust | 3.00% | $500 | Anyone | Penalty waived on a one-time withdrawal, up to full amount, after account open 7 calendar days; additional withdrawals assessed 30 day interest penalty |
| Innovations Financial | 3.00% | $1k | 10 FL counties | |
| RadiFi | 3.00% | $50k | Anyone (via a partner group) | |
| RadiFi | 3.00% | $100k | Anyone (via a partner group) | |
| RadiFi | 3.00% | $250k | Anyone (via a partner group) | |
| RadiFi | 3.00% | $500k | Anyone (via a partner group) | |
| Baptist Health South Florida | 3.00% | $500 | Employer / group members | |
| Community First Credit Union of Florida | 2.99% | $500k | 17 FL counties | Printed term range 3-5 months |
| Innovations Financial | 2.96% | $1k | 10 FL counties | |
| RadiFi | 2.90% | $500 | Anyone (via a partner group) | |
| RadiFi | 2.90% | $2.5k | Anyone (via a partner group) | |
| RadiFi | 2.90% | $25k | Anyone (via a partner group) | |
| Ally Bank online | 2.80% | — | Anyone | No minimum deposit to open |
| City National Bank | 2.78% | $10k | Anyone | |
| Nicolet National Bank | 2.75% | $2.5k | Anyone | |
| First Bank | 2.75% | $500 | Anyone | |
| Gala Bank | 2.75% | — | Anyone | |
| Community First Credit Union of Florida | 2.73% | $250k | 17 FL counties | Printed term range 3-5 months |
| Community First Credit Union of Florida | 2.68% | $100k | 17 FL counties | Printed term range 3-5 months |
| Ocala Community | 2.65% | $500 | 1 FL county | 90 Days |
| Ocala Community | 2.65% | $5k | 1 FL county | 90 Days |
| Ocala Community | 2.65% | $50k | 1 FL county | 90 Days |
| Ocala Community | 2.65% | $100k | 1 FL county | 90 Days |
| Community First Credit Union of Florida | 2.63% | $45k | 17 FL counties | Printed term range 3-5 months |
| Insight | 2.55% | $1M | Anyone (via a partner group) | |
| Community First Credit Union of Florida | 2.53% | $500 | 17 FL counties | Printed term range 3-5 months |
| Faith Connection | 2.53% | $1k | Employer / group members | |
| First-Citizens Bank & Trust Company | 2.50% | $500 | Anyone | Term listed as 3 to 5 months; yields may vary by area |
| Bradesco Bank | 2.45% | $100k | Anyone | |
| Insight | 2.45% | $1k | Anyone (via a partner group) | |
| Insight | 2.45% | $100k | Anyone (via a partner group) | |
| Miami Postal Service | 2.25% | $1k | 6 FL counties | |
| PenAir | 2.10% | — | 1 FL county | |
| Woodforest National Bank | 2.00% | $500 | Anyone | |
| TD Bank, National Association | 1.99% | $0.01 | Anyone | |
| TD Bank, National Association | 1.99% | $10k | Anyone | |
| TD Bank, National Association | 1.99% | $50k | Anyone | |
| TD Bank, National Association | 1.99% | $100k | Anyone | |
| Quorum Federal Credit Union online | 1.75% | $100 | Open to all (see page) | |
| Navy Federal Credit Union | 1.55% | $100k | Employer / group members | |
| Navy Federal Credit Union | 1.50% | $1k | Employer / group members | |
| Navy Federal Credit Union | 1.50% | $20k | Employer / group members | |
| Emerald Coast | 1.50% | $1k | 2 FL counties | 91 days; $1,000 minimum for Share Certificates, $250 minimum for IRA Certificates; members 55+ receive additional 0.05% APY |
| MIDFLORIDA | 1.25% | $1k | Regional | |
| FAIRWINDS | 1.14% | $1k | Anyone (via a partner group) | |
| First Federal Bank | 1.01% | $100k | Anyone | $100,000 and up |
| DLP Bank | 1.01% | $1k | Anyone | Minimum deposit to open is $1,000. Penalty for early withdrawal. |
| Tampa Bay | 1.00% | $500 | Anyone (via a partner group) | |
| Tampa Bay | 1.00% | $50k | Anyone (via a partner group) | |
| Tampa Bay | 1.00% | $100k | Anyone (via a partner group) | |
| First Federal Bank | 0.99% | $50k | Anyone | $50,000 - $99,999.99 |
| First Federal Bank | 0.93% | $1k | Anyone | $1,000 - $9,999.99 |
| First Federal Bank | 0.93% | $10k | Anyone | $10,000 - $24,999.99 |
| First Federal Bank | 0.93% | $25k | Anyone | $25,000 - $49,999.99 |
| Members First Credit Union of Florida | 0.90% | $500 | 3 FL counties | |
| Santa Rosa County | 0.90% | $1k | 3 FL counties | |
| Educational | 0.80% | $100k | Employer / group members | |
| Educational | 0.75% | $1k | Employer / group members | |
| Dade County | 0.70% | $500 | 4 FL counties | |
| First Commerce | 0.60% | — | Anyone (via a partner group) | 91 days (not offered on IRAs) |
| United Bank | 0.55% | $500 | Anyone | |
| Florida A&M University | 0.50% | $500 | Employer / group members | |
| Jetstream | 0.50% | $10k | 2 FL counties | |
| Priority | 0.50% | $500 | 6 FL counties | |
| Hello | 0.50% | $500 | 8 FL counties | |
| University | 0.50% | $500 | Anyone (via a partner group) | 91 days |
| Polish & Slavic | 0.50% | $500 | Employer / group members | |
| Polish & Slavic | 0.50% | $50k | Employer / group members | |
| Polish & Slavic | 0.50% | $90k | Employer / group members | |
| Mayo Employees | 0.45% | $1k | Employer / group members | Rates begin at this APY; penalty may be imposed for early withdrawal |
| The Warrington Bank | 0.25% | — | Anyone | 91-day term |
| Bank of Pensacola | 0.25% | — | Anyone | Early withdrawal penalty equal to 30 days' interest on amount withdrawn |
| Harvesters | 0.20% | $500 | 2 FL counties | |
| Sunstate Bank | 0.15% | — | Anyone | 90 days |
| United Southern Bank | 0.10% | $1k | Anyone | 91 days |
| OneUnited Bank | 0.10% | $1k | Anyone | |
| BankPlus | 0.10% | $1k | Anyone | Interest credited at maturity; 90 days |
| 1st Source Bank | 0.08% | $2.5k | Anyone | 91 day term |
| Wells Fargo Bank, National Association | 0.06% | $2.5k | Anyone | Same 0.06% relationship APY for all balance tiers; requires linked qualifying checking — Miami/Jacksonville pricing (varies by location) |
| Wells Fargo Bank, National Association | 0.05% | $2.5k | Anyone | Same 0.05% APY for all balance tiers $0 to $100,000+ — Miami/Tampa/Jacksonville pricing (varies by location) |
| Wells Fargo Bank, National Association | 0.05% | $2.5k | Anyone | All balance tiers $0-$100,000+ same APY; relationship APY 0.06% — Orlando pricing (varies by location) |
| First Horizon Bank | 0.05% | — | Anyone | 90 days |
| United Southern Bank | 0.05% | $1k | Anyone | 91 days |
| PNB Community Bank | 0.03% | $1k | Anyone |
| Institution | APY | Minimum | Who can open | The catch |
|---|---|---|---|---|
| iTHINK Financial | 4.25% promo | $25k | 31 FL counties | Special Certificate Account (Premium, $25,000 min) |
| BrightStar | 3.85% promo | $500 | 23 FL counties | 3 Month Certificate of Deposit — Guaranteed fixed rate for 3 months; $500.00 minimum on Certificate of Deposit; membership eligibility required; early withdrawal penalty may apply |
| Banesco USA | 3.80% promo | $1k | Anyone | Special CD (Continental U.S.) — Continental U.S. clients; new money; minimum opening deposit $1,000 |
| Seacoast National Bank | 3.25% promo | $1k | Anyone | Certificate of Deposit — Minimum opening deposit of $1,000 required. Not available to funds currently on deposit at Seacoast Bank. Special APY applies to initial term only; branch visit |
| Partners | 3.00% promo | $100 (cap $10k) | Employer / group members | Emergency Fund Certificate — One penalty-free principal withdrawal; limit one per member; no rate add-ons; APY as of September 18, 2026 |
| TD Bank, National Association | 2.00% promo | $0.01 (cap $10k) | Anyone | TD Choice CD Promotional ($0.01-$9,999.99) — Minimum deposit to open $250 |
| TD Bank, National Association | 2.00% promo | $10k (cap $50k) | Anyone | TD Choice CD Promotional ($10,000-$49,999.99) |
| TD Bank, National Association | 2.00% promo | $50k (cap $100k) | Anyone | TD Choice CD Promotional ($50,000-$99,999.99) |
| TD Bank, National Association | 2.00% promo | $100k | Anyone | TD Choice CD Promotional ($100,000+) |
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