Florida CD rates › 3 yr CDs
✓ 269 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 | 4.85% | $1k | Anyone | Min opening deposit $2,000 via brokerage account, $1,000 otherwise |
| Nicolet National Bank | 4.60% | $2.5k | Anyone | Relationship defined as Direct Deposit Checking |
| Transport | 4.32% | $100k | 4 FL counties | $100,000 minimum deposit |
| CFG Bank online | 4.30% | $500 | Anyone | No additional deposits after initial deposit |
| Community First Credit Union of Florida | 4.29% | $1M | 17 FL counties | Printed term range 36-47 months |
| Anthem Bank & Trust | 4.25% | $100k | Anyone | Semi-annual interest; maturity 07-23-2029 |
| Anthem Bank & Trust | 4.25% | $100k | Anyone | Semi-annual interest; maturity 07-23-2029 (second listing) |
| Anthem Bank & Trust | 4.25% | $100k | Anyone | Semi-annual interest; maturity 07-23-2029 (third listing) |
| Suncoast | 4.25% | $100k | Regional | Fixed rate |
| Suncoast | 4.25% | $500 | Regional | Fixed rate |
| Ukrainian | 4.25% | $500 | Employer / group members | 3 years with one bump up option |
| Anthem Bank & Trust | 4.20% | $100k | Anyone | Monthly interest; maturity 07-23-2029 |
| Community First Credit Union of Florida | 4.18% | $1M | 17 FL counties | One-time rate adjustment option |
| Connect Credit Union | 4.17% | $20k | 31 FL counties | |
| Anthem Bank & Trust | 4.15% | $100k | Anyone | Semi-annual interest; maturity 07-23-2029 |
| Anthem Bank & Trust | 4.15% | $100k | Anyone | Semi-annual interest; maturity 07-30-2029 |
| CFG Bank online | 4.15% | $250k | Anyone | IntraFi CDARS program; contact bank to open |
| Navy Federal Credit Union | 4.15% | $100k | Employer / group members | |
| Gulf Coast Business Bank | 4.13% | $5k | Anyone | Minimum $5,000 to open and to obtain APY |
| Connect Credit Union | 4.12% | $1k | 31 FL counties | |
| Anthem Bank & Trust | 4.10% | $100k | Anyone | Semi-annual interest; maturity 07-23-2029 |
| Nicolet National Bank | 4.10% | $2.5k | Anyone | |
| Navy Federal Credit Union | 4.10% | $1k | Employer / group members | |
| Navy Federal Credit Union | 4.10% | $20k | Employer / group members | |
| Community First Credit Union of Florida | 4.08% | $750k | 17 FL counties | Printed term range 36-47 months |
| McCoy | 4.07% | $1k | 4 FL counties | |
| McCoy | 4.07% | $5k | 4 FL counties | |
| McCoy | 4.07% | $25k | 4 FL counties | |
| McCoy | 4.07% | $100k | 4 FL counties | |
| Transport | 4.06% | — | 4 FL counties | |
| Anthem Bank & Trust | 4.05% | $100k | Anyone | Monthly interest; maturity 07-24-2029 |
| Anthem Bank & Trust | 4.05% | $100k | Anyone | Semi-annual interest; maturity 07-24-2029 |
| Beal Bank USA | 4.00% | $1k | Anyone | |
| Anthem Bank & Trust | 4.00% | $100k | Anyone | Monthly interest; maturity 07-14-2029 |
| Ally Bank online | 4.00% | — | Anyone | No minimum deposit to open |
| Platinum | 4.00% | $1k | Employer / group members | |
| Platinum | 4.00% | $10k | Employer / group members | |
| Platinum | 4.00% | $25k | Employer / group members | |
| Platinum | 4.00% | $100k | Employer / group members | |
| Firefighters First | 4.00% | $100k | Employer / group members | |
| Wings Credit Union | 4.00% | $500 | Anyone (via a partner group) | printed term range 36-41 months |
| 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 | One-time rate adjustment option |
| SUMA | 3.98% | $1k | Employer / group members | Early withdrawal penalty: 9 months dividends |
| American Airlines | 3.97% | $1k | Employer / group members | Ladder option 2 |
| American Airlines | 3.97% | $1k | Employer / group members | Ladder option 3 |
| American Airlines | 3.97% | $10k | Employer / group members | Ladder option 2 |
| American Airlines | 3.97% | $10k | Employer / group members | Ladder option 3 |
| Firefighters First | 3.95% | $50k | Employer / group members | |
| 1st Street | 3.91% | $150k | 3 FL counties | |
| First Florida | 3.90% | $1k | Rules not yet verified | |
| Firefighters First | 3.90% | $1k | Employer / group members | |
| All In | 3.87% | $100k | 3 FL counties | |
| FiCare | 3.85% | $100k | Employer / group members | |
| 1st Street | 3.85% | $75k | 3 FL counties | |
| First Bank | 3.82% | $2.5k | Anyone | Rate 3.75%; penalty may be imposed for early withdrawal |
| Community First Credit Union of Florida | 3.82% | $500k | 17 FL counties | Printed term range 36-47 months |
| Grow Financial | 3.82% | $100k | Employer / group members | 36 - 47 months |
| Radiant | 3.82% | $1k | 22 FL counties | |
| All In | 3.82% | $1k | 3 FL counties | |
| Northrop Grumman | 3.81% | $2.5k | Employer / group members | |
| Newtek Bank, National Association | 3.80% | $2.5k | Anyone | |
| Anthem Bank & Trust | 3.80% | $100k | Anyone | Monthly interest; maturity 07-14-2029 |
| Anthem Bank & Trust | 3.80% | $200k | Anyone | Monthly interest; maturity 07-14-2029 |
| 1st Street | 3.80% | $1k | 3 FL counties | |
| Dort Financial | 3.80% | $100k | 4 FL counties | |
| Miami Firefighters | 3.80% | $1k | Employer / group members | |
| Community First Credit Union of Florida | 3.77% | $500k | 17 FL counties | One-time rate adjustment option |
| Republic Bank & Trust Company | 3.75% | $1k | Anyone | |
| Lake Michigan | 3.75% | $500 | Regional | VIP bonus rate |
| FiCare | 3.75% | $50k | Employer / group members | |
| Gallup | 3.75% | $50k | Employer / group members | |
| Wings Credit Union | 3.75% | $1k | Anyone (via a partner group) | |
| GTE Financial | 3.71% | $100k | Anyone (via a partner group) | |
| Grow Financial | 3.71% | $500 | Employer / group members | 36 - 47 months |
| Commerce Bank & Trust | 3.70% | $500 | Anyone | |
| Dort Financial | 3.70% | $1k | 4 FL counties | |
| Alliant Credit Union online | 3.70% | $75k | Open to all (see page) | 36-47 month term |
| Addition Financial | 3.66% | $1k | 43 FL counties | Term range 36-47 months |
| Tropical Financial | 3.65% | $500 | Rules not yet verified | $500 minimum to open |
| FiCare | 3.65% | $500 | Employer / group members | |
| Eglin | 3.61% | $2.5k | 4 FL counties | |
| Lake Michigan | 3.60% | $500 | Regional | VIP bonus rate |
| Gulf Winds | 3.60% | $500 | 36 FL counties | |
| Coastline | 3.60% | $75k | 5 FL counties | Penalty for early withdrawal. |
| Alliant Credit Union online | 3.60% | $1k | Open to all (see page) | 36-47 month term |
| Community First Credit Union of Florida | 3.56% | $250k | 17 FL counties | Printed term range 36-47 months |
| Space Coast | 3.55% | $500 | 34 FL counties | |
| Publix Employees | 3.55% | $100k | Employer / group members | |
| Alive | 3.55% | $500 | 5 FL counties | Dividends paid monthly |
| RadiFi | 3.55% | $750k | Anyone (via a partner group) | |
| RadiFi | 3.55% | $1M | Anyone (via a partner group) | |
| Community Credit Union of Florida | 3.55% | $1k | 6 FL counties | |
| Coastline | 3.55% | $40k | 5 FL counties | Penalty for early withdrawal. |
| Community First Credit Union of Florida | 3.51% | $100k | 17 FL counties | Printed term range 36-47 months |
| JM Associates | 3.51% | $50k | Employer / group members | Minimum $50,000.00 tier |
| Lake Michigan | 3.50% | $500 | Regional | |
| Insight | 3.50% | $1M | Anyone (via a partner group) | |
| DFCU Financial | 3.50% | $100k | Regional | |
| Baptist Health South Florida | 3.50% | $50k | Employer / group members | |
| Coastline | 3.50% | $1k | 5 FL counties | Penalty for early withdrawal. |
| Pinellas | 3.50% | $500 | 1 FL county | |
| PowerNet | 3.50% | $500 | Employer / group members | |
| 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 | |
| Monroe County Teachers | 3.50% | $10k | Employer / group members | |
| Monroe County Teachers | 3.50% | $20k | Employer / group members | |
| Polish & Slavic | 3.50% | $90k | Employer / group members | |
| Gallup | 3.50% | $10k | Employer / group members | |
| Community First Credit Union of Florida | 3.46% | $250k | 17 FL counties | One-time rate adjustment option |
| JM Associates | 3.46% | $1k | Employer / group members | Minimum $1,000.00 tier |
| GTE Financial | 3.45% | $500 | Anyone (via a partner group) | |
| RadiFi | 3.45% | $100k | Anyone (via a partner group) | |
| RadiFi | 3.45% | $250k | Anyone (via a partner group) | |
| RadiFi | 3.45% | $500k | Anyone (via a partner group) | |
| Baptist Health South Florida | 3.45% | $500 | Employer / group members | Effective October 1st, 2025; early withdrawal penalty 90 days interest |
| San Antonio Citizens | 3.45% | $1k | Rules not yet verified | |
| Everence | 3.45% | $100k | Anyone (via a partner group) | |
| Publix Employees | 3.44% | $1k | Employer / group members | |
| FAIRWINDS | 3.43% | $1k | Anyone (via a partner group) | |
| Community First Credit Union of Florida | 3.41% | $100k | 17 FL counties | One-time rate adjustment option |
| Jax Fire | 3.40% | $500 | Employer / group members | |
| EverBank, National Association | 3.40% | $1k | Anyone | |
| Old Dominion National Bank | 3.40% | $500 | Anyone | |
| Insight | 3.40% | $1k | Anyone (via a partner group) | |
| Insight | 3.40% | $100k | Anyone (via a partner group) | |
| RadiFi | 3.40% | $50k | Anyone (via a partner group) | |
| Baptist Health South Florida | 3.40% | $25k | Employer / group members | |
| Everence | 3.40% | $500 | Anyone (via a partner group) | |
| Crews Bank & Trust | 3.36% | $500 | Anyone | interest rate printed as 3.60% |
| Crews Bank & Trust | 3.35% | $500 | Anyone | |
| Community First Credit Union of Florida | 3.35% | $45k | 17 FL counties | Printed term range 36-47 months |
| Lake Michigan | 3.35% | $500 | Regional | |
| Educational | 3.35% | $100k | Employer / group members | |
| DFCU Financial | 3.35% | $25k | Regional | |
| RadiFi | 3.35% | $500 | Anyone (via a partner group) | |
| RadiFi | 3.35% | $2.5k | Anyone (via a partner group) | |
| RadiFi | 3.35% | $25k | Anyone (via a partner group) | |
| U.S. Postal Service | 3.35% | $250 | Employer / group members | |
| Loyalty | 3.32% | — | Rules not yet verified | |
| Community First Credit Union of Florida | 3.30% | $500 | 17 FL counties | Printed term range 36-47 months |
| Educational | 3.30% | $1k | Employer / group members | |
| Baptist Health South Florida | 3.30% | $500 | Employer / group members | |
| Together | 3.30% | $1k | Employer / group members | Household relationship of $25,000 or more |
| Together | 3.30% | $1k | Employer / group members | |
| TMH | 3.30% | $1k | Employer / group members | Minimum balance $1,000 to obtain APY; compounded monthly |
| Community First Credit Union of Florida | 3.25% | $45k | 17 FL counties | One-time rate adjustment option |
| DFCU Financial | 3.25% | $1k | Regional | |
| Panhandle | 3.25% | — | 7 FL counties | |
| Tampa Bay | 3.25% | $500 | Anyone (via a partner group) | |
| Tampa Bay | 3.25% | $50k | Anyone (via a partner group) | |
| Tampa Bay | 3.25% | $100k | Anyone (via a partner group) | |
| Pinellas | 3.25% | $500 | 1 FL county | |
| Together | 3.25% | $1k | Employer / group members | |
| City-County Employees | 3.25% | $500 | Anyone (via a partner group) | Interest paid monthly |
| Polish & Slavic | 3.25% | $50k | Employer / group members | |
| Gallup | 3.25% | $1k | Employer / group members | |
| Valley National Bank | 3.20% | $500 | Anyone | |
| Community First Credit Union of Florida | 3.20% | $500 | 17 FL counties | One-time rate adjustment option |
| Trax | 3.20% | $100k | Employer / group members | |
| TruGrocer | 3.20% | $50k | Employer / group members | |
| Together | 3.15% | $1k | Employer / group members | Variable APY; Gold tier |
| Together | 3.15% | $1k | Employer / group members | Variable; Traditional IRAs only |
| TruGrocer | 3.14% | $10k | Employer / group members | |
| Bradesco Bank | 3.11% | $5k | Anyone | |
| Together | 3.10% | $1k | Employer / group members | Variable APY; rate may change twice during term |
| TruGrocer | 3.09% | $500 | Employer / group members | |
| DLP Bank | 3.05% | $1k | Anyone | Minimum deposit to open is $1,000. Penalty for early withdrawal. |
| Priority | 3.04% | $500 | 6 FL counties | |
| Faith Connection | 3.04% | $1k | Employer / group members | |
| Community South | 3.03% | $500 | 9 FL counties | Dividend rate 3.00% |
| IncredibleBank | 3.00% | — | Anyone | |
| Innovations Financial | 3.00% | $1k | 10 FL counties | |
| Trax | 3.00% | $500 | Employer / group members | |
| First Commerce | 3.00% | — | Anyone (via a partner group) | |
| Tyndall | 3.00% | $1k | Rules not yet verified | |
| Santa Rosa County | 3.00% | $1k | 3 FL counties | |
| Tampa Postal | 3.00% | $500 | Employer / group members | |
| My Pensacola | 3.00% | $1k | 1 FL county | |
| My Pensacola | 3.00% | — | 1 FL county | Penalty for early withdrawal |
| Ocala Community | 3.00% | $500 | 1 FL county | Includes IRA CD |
| Ocala Community | 3.00% | $5k | 1 FL county | Includes IRA CD |
| Ocala Community | 3.00% | $50k | 1 FL county | Includes IRA CD |
| Ocala Community | 3.00% | $100k | 1 FL county | Includes IRA CD |
| Polish & Slavic | 3.00% | $500 | Employer / group members | |
| Credit Union 1 | 3.00% | $1k | Anyone (via a partner group) | |
| Credit Union 1 | 3.00% | $10k | Anyone (via a partner group) | |
| Credit Union 1 | 3.00% | $1k | Anyone (via a partner group) | Business rates as of last dividend declaration date July 29, 2026 |
| Credit Union 1 | 3.00% | $10k | Anyone (via a partner group) | Business rates as of last dividend declaration date July 29, 2026 |
| Innovations Financial | 2.96% | $1k | 10 FL counties | |
| ECU | 2.95% | $5k | 6 FL counties | CD minimum balance $5,000 |
| American Airlines | 2.94% | $1k | Employer / group members | $1,000.00 minimum balance tier |
| American Airlines | 2.94% | $10k | Employer / group members | $10,000.00 minimum balance tier |
| iTHINK Financial | 2.90% | $1k | 31 FL counties | |
| Florida A&M University | 2.79% | $500 | Employer / group members | |
| BayFirst National Bank | 2.75% | $1k | Anyone | |
| Tampa Postal | 2.75% | $500 | Employer / group members | |
| Tampa Postal | 2.75% | $500 | Employer / group members | Member must notify TPCU when Step Up will be implemented |
| Members First Credit Union of Florida | 2.70% | $500 | 3 FL counties | One rate bump-up allowed |
| PenAir | 2.65% | — | 1 FL county | |
| Blue Coast | 2.65% | $1k | 13 FL counties | |
| Banco do Brasil Americas | 2.60% | $100k | Anyone | |
| Bradesco Bank | 2.60% | $500k | Anyone | |
| Bradesco Bank | 2.60% | $250k | Anyone | |
| Bradesco Bank | 2.60% | $100k | Anyone | |
| Dade County | 2.55% | $500 | 4 FL counties | |
| Jetstream | 2.53% | $500 | 2 FL counties | |
| Amerant Bank, National Association | 2.50% | $10k | Anyone | |
| Axiom Bank, National Association | 2.50% | $500 | Anyone | |
| Barclays Bank (US Online) online | 2.50% | — | Anyone | No minimum opening balance or deposit required to open |
| MIDFLORIDA | 2.50% | $1k | Regional | |
| Miami Postal Service | 2.50% | $1k | 6 FL counties | |
| Unity of Eatonville | 2.42% | $1k | 1 FL county | APR 2.25% |
| Banco do Brasil Americas | 2.40% | — | Anyone | |
| Farmers | 2.30% | — | Employer / group members | |
| Desjardins Bank, National Association | 2.27% | $1k | Anyone | |
| Desjardins Bank, National Association | 2.27% | $250k | Anyone | |
| Gala Bank | 2.25% | — | Anyone | |
| Memorial Employees Financial | 2.25% | $1k | Employer / group members | Early withdrawal penalties may apply |
| Memorial Employees Financial | 2.25% | $25k | Employer / group members | Early withdrawal penalties may apply |
| First Bank | 2.10% | $500 | Anyone | |
| Emerald Coast | 2.02% | $1k | 2 FL counties | $1,000 minimum for Share Certificates, $250 minimum for IRA Certificates; members 55+ receive additional 0.05% APY |
| 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 | |
| Florida A&M University | 1.65% | $500 | Employer / group members | |
| City National Bank | 1.56% | $2.5k | Anyone | |
| We Florida Financial | 1.52% | $100 | 46 FL counties | Legacy CD |
| Hello | 1.51% | $500 | 8 FL counties | |
| Keys | 1.50% | $500 | 1 FL county | |
| University | 1.50% | $500 | Anyone (via a partner group) | |
| Woodforest National Bank | 1.40% | $500 | Anyone | |
| 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 |
| Wilmington Savings Fund Society, FSB | 1.00% | $2.5k | Anyone | |
| RadiFi | 1.00% | $7.5k | Anyone (via a partner group) | Printed as '36 month or 60 month terms'; variable rate |
| United Bank | 0.95% | $500 | Anyone | |
| RadiFi | 0.90% | $5k | Anyone (via a partner group) | Printed as '36 month or 60 month terms'; variable rate |
| RadiFi | 0.85% | $2.5k | Anyone (via a partner group) | Printed as '36 month or 60 month terms'; variable rate |
| RadiFi | 0.75% | $0.01 | Anyone (via a partner group) | Printed as '36 month or 60 month terms'; variable rate |
| Harvesters | 0.70% | $500 | 2 FL counties | |
| Gold Coast | 0.60% | $1k | Anyone (via a partner group) | |
| 1st Source Bank | 0.50% | $500 | Anyone | |
| Florida Capital Bank, National Association | 0.45% | $2k | Anyone | Minimum opening balance Personal: $2,000 | Business: $10,000 |
| Sunstate Bank | 0.40% | — | Anyone | |
| FloridaCentral | 0.36% | $500 | Employer / group members | |
| BankPlus | 0.35% | $1k | Anyone | Interest credited quarterly |
| United Southern Bank | 0.30% | $1k | Anyone | |
| OneUnited Bank | 0.30% | $1k | Anyone | |
| United Southern Bank | 0.25% | $1k | Anyone | |
| PNB Community Bank | 0.15% | $1k | Anyone | |
| First Horizon Bank | 0.10% | — | Anyone | |
| First-Citizens Bank & Trust Company | 0.05% | $500 | Anyone |
| Institution | APY | Minimum | Who can open | The catch |
|---|---|---|---|---|
| MIDFLORIDA | 4.00% promo | $1k (cap $5M) | Regional | CD Special |
| Northrop Grumman | 3.97% promo | $40k | Employer / group members | Bonus Certificate — Minimum daily balance to earn APY $40,000 |
| Launch Credit Union | 3.15% promo | $1k | 9 FL counties | BUMP Share Certificate — Variable rate; existing certificates only - no new accounts offered; one-time bump option |
| iTHINK Financial | 3.00% promo | $25k | 31 FL counties | Special Certificate Account (Premium, $25,000 min) |
| TD Bank, National Association | 2.00% promo | $0.01 (cap $10k) | Anyone | TD Choice CD Promotional ($0.01-$9,999.99) |
| 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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