Florida CD rates › 9 mo CDs
✓ 82 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 |
|---|---|---|---|---|
| OMB Bank online | 4.40% | $1k | Anyone | Compounded quarterly |
| Beal Bank USA | 4.30% | $1k | Anyone | |
| Marcus by Goldman Sachs online | 4.30% | $500 | Anyone | Early withdrawal penalty applies |
| iTHINK Financial | 4.25% | $1k | 31 FL counties | |
| CIBC Bank USA | 4.20% | $1k | Anyone | |
| Barclays Bank (US Online) online | 4.15% | — | Anyone | No minimum opening balance or deposit required to open |
| Lake Michigan | 4.05% | $500 | Regional | VIP bonus rate |
| Newtek Bank, National Association | 4.00% | $2.5k | Anyone | |
| Ally Bank online | 4.00% | — | Anyone | No minimum deposit to open |
| Blue Coast | 4.00% | $1k | 13 FL counties | |
| Space Coast | 3.95% | $500 | 34 FL counties | |
| Tropical Financial | 3.85% | $500 | Rules not yet verified | $500 minimum to open |
| Lake Michigan | 3.80% | $500 | Regional | |
| TrustCo Bank | 3.75% | $500 | Anyone | Banner promotion; $500 minimum deposit/daily balance to achieve APY; substantial penalty for early withdrawal |
| Nicolet National Bank | 3.75% | $2.5k | Anyone | Relationship defined as Direct Deposit Checking |
| Community Credit Union of Florida | 3.75% | $1k | 6 FL counties | |
| All In | 3.71% | $100k | 3 FL counties | |
| All In | 3.66% | $1k | 3 FL counties | One time penalty-free withdrawal on 9 month share certificates |
| All In | 3.66% | $1k | 3 FL counties | |
| Anthem Bank & Trust | 3.60% | $100k | Anyone | Monthly interest; maturity 04-14-2027 |
| Anthem Bank & Trust | 3.60% | $100k | Anyone | Monthly interest; maturity 04-14-2027 (second listing) |
| Together | 3.55% | $1k | Employer / group members | Household relationship of $25,000 or more |
| Together | 3.55% | $1k | Employer / group members | |
| Santa Rosa County | 3.51% | $1k | 3 FL counties | |
| Axiom Bank, National Association | 3.50% | $500 | Anyone | |
| Anthem Bank & Trust | 3.50% | $100k | Anyone | Monthly interest; maturity 04-14-2027 |
| Commerce Bank & Trust | 3.50% | $500 | Anyone | |
| Together | 3.50% | $1k | Employer / group members | |
| TD Bank, National Association | 3.49% | $0.01 | Anyone | |
| TD Bank, National Association | 3.49% | $10k | Anyone | |
| TD Bank, National Association | 3.49% | $50k | Anyone | |
| TD Bank, National Association | 3.49% | $100k | Anyone | |
| Valley National Bank | 3.45% | $500 | Anyone | |
| Nicolet National Bank | 3.45% | $2.5k | Anyone | |
| EverBank, National Association | 3.40% | $1k | Anyone | |
| Priority | 3.40% | $500 | 6 FL counties | |
| City National Bank | 3.30% | $10k | Anyone | |
| Educational | 3.30% | $100k | Employer / group members | |
| Baptist Health South Florida | 3.30% | $50k | Employer / group members | |
| Amerant Bank, National Association | 3.25% | $10k | Anyone | Florida only; new funds |
| Old Dominion National Bank | 3.25% | $500 | Anyone | |
| Educational | 3.25% | $1k | Employer / group members | |
| Crews Bank & Trust | 3.21% | $500 | Anyone | |
| Baptist Health South Florida | 3.20% | $25k | Employer / group members | |
| Baptist Health South Florida | 3.10% | $500 | Employer / group members | |
| The Huntington National Bank | 3.00% | $1k | Anyone | Tampa/Orlando pricing (varies by location) |
| The Huntington National Bank | 3.00% | $2M | Anyone | Term printed as 270 days; deposits over $2,000,000 may be limited — Tampa/Orlando pricing (varies by location) |
| TruGrocer | 2.99% | $50k | Employer / group members | |
| TruGrocer | 2.89% | $10k | Employer / group members | |
| TruGrocer | 2.78% | $500 | Employer / group members | |
| First Bank | 2.75% | $500 | Anyone | |
| The Huntington National Bank | 2.50% | $1k | Anyone | Zip code 33131 — Miami/Jacksonville pricing (varies by location) |
| The Huntington National Bank | 2.50% | $100k | Anyone | Term printed as 270 days — Miami/Jacksonville pricing (varies by location) |
| Miami Postal Service | 2.50% | $25k | 6 FL counties | |
| BankUnited, National Association | 2.30% | $1k | Anyone | |
| Miami Postal Service | 2.25% | $5k | 6 FL counties | |
| Miami Postal Service | 2.15% | $1k | 6 FL counties | |
| Polish & Slavic | 0.65% | $500 | Employer / group members | |
| Polish & Slavic | 0.65% | $50k | Employer / group members | |
| Polish & Slavic | 0.65% | $90k | Employer / group members | |
| Florida Capital Bank, National Association | 0.35% | $2k | Anyone | Minimum opening balance Personal: $2,000 | Business: $10,000 |
| First Horizon Bank | 0.10% | — | Anyone | 270 days |
| Institution | APY | Minimum | Who can open | The catch |
|---|---|---|---|---|
| Woodforest National Bank | 4.25% promo | $500 | Anyone | Certificate of Deposit - 9 Month Special — Special promotional APY; new qualifying funds for Woodforest checking account holders |
| Pacific National Bank | 4.25% promo | — | Anyone | Certificate of Deposit (online special) — New Money Only; domestic personal accounts opened online |
| iTHINK Financial | 4.25% promo | $25k | 31 FL counties | Special Certificate Account (Premium, $25,000 min) |
| HSBC Bank USA, National Association | 4.20% promo | $1k | Anyone | New Money CD — New money required; minimum balance to open online $1,000 |
| Champions First | 4.00% promo | $1k | 18 FL counties | Promotional Certificate of Deposit — Minimum balance to open a promotional CD is $1,000; limited time offer; early withdrawal penalty applies |
| PriorityOne Credit Union of Florida | 4.00% promo | $25k | Anyone (via a partner group) | 9-Month CD Special (deposits $25k and higher) — For deposits of $25k and higher; $1,000 minimum new money deposit required for CD specials |
| Lake Michigan | 3.90% promo | $500 | Regional | 9 Month CD (VIP Bonus) — VIP bonus rate |
| Alive | 3.90% promo | $500 | 5 FL counties | Special Offer Certificate of Deposit — Renews to 12-month CD |
| PriorityOne Credit Union of Florida | 3.90% promo | $1k | Anyone (via a partner group) | 9-Month CD Special (deposits less than $25k) — For deposits less than $25k; $1,000 minimum new money deposit required |
| Compass Financial | 3.85% promo | $50k | 1 FL county | Jumbo Certificate of Deposit - Limited Time Promotion — Limited Time Promotion |
| BankUnited, National Association | 3.80% promo | $1k (cap $250k) | Anyone | CD (Promotional Rate) — Promotional rate; online accounts |
| FloridaCentral | 3.75% promo | $1k | Employer / group members | Promotional Share Certificate (Regular and IRA) — Limited-time promotional offer; renews to 6-month term at then-current rate; 90-day interest early withdrawal penalty |
| Lake Michigan | 3.65% promo | $500 | Regional | 9 Month CD — Featured rate |
| TD Bank, National Association | 3.51% promo | $0.01 (cap $10k) | Anyone | TD Choice CD Promotional ($0.01-$9,999.99) |
| TD Bank, National Association | 3.51% promo | $10k (cap $50k) | Anyone | TD Choice CD Promotional ($10,000-$49,999.99) |
| TD Bank, National Association | 3.51% promo | $50k (cap $100k) | Anyone | TD Choice CD Promotional ($50,000-$99,999.99) |
| TD Bank, National Association | 3.51% promo | $100k | Anyone | TD Choice CD Promotional ($100,000+) |
| Florida Capital Bank, National Association | 3.30% promo | $50k (cap $1M) | Anyone | Promotional CD/IRA (Personal & Business) — Requires $50,000 opening balance; new money only for new or existing clients |
| Guardians | 3.25% promo | $10k | 4 FL counties | Short Term Share Certificate Special — Limited time offer; $10,000 minimum opening deposit; no additional deposits; early withdrawal penalty 90 days interest |
| U.S. Bank National Association | 3.15% promo | $1k (cap $250k) | Anyone | CD Special — New CD Special clients; ZIP 33131 |
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