Florida CD rates › By county › By city
Best CD rates by Florida city
✓ 246 cities · verified 2026-10-01
Every Florida city where at least two banks or credit unions with a branch post CD rates online. Each page leads with the best standard rate by term at branches in that city, then the best a resident can open online. A city that straddles a county line is listed under each county.
Alachua — best local 4.20% (Radiant) · 3 with branches Gainesville — best local 4.29% (TD Bank, National Association) · 12 with branches Newberry — best local 4.20% (Radiant) · 2 with branches Macclenny — best local 3.80% (Tru-Fi) · 4 with branches Lynn Haven — best local 3.75% (Panhandle) · 3 with branches Panama City — best local 3.75% (Panhandle) · 12 with branches Starke — best local 4.29% (TD Bank, National Association) · 4 with branches Cape Canaveral — best local 4.50% (Launch Credit Union) · 2 with branches Cocoa — best local 4.50% (Launch Credit Union) · 6 with branches Cocoa Beach — best local 4.25% (Space Coast) · 3 with branches Indialantic — best local 4.25% (Space Coast) · 3 with branches Melbourne — best local 4.50% (Launch Credit Union) · 11 with branches Merritt Island — best local 4.50% (Launch Credit Union) · 7 with branches Palm Bay — best local 4.50% (Launch Credit Union) · 6 with branches Rockledge — best local 4.50% (Launch Credit Union) · 5 with branches Titusville — best local 4.50% (Launch Credit Union) · 8 with branches Viera — best local 3.75% (Community Credit Union of Florida) · 3 with branches West Melbourne — best local 4.50% (Launch Credit Union) · 5 with branches Coconut Creek — best local 4.29% (TD Bank, National Association) · 5 with branches Coral Springs — best local 4.35% (Third Federal Savings and Loan Association of Cleveland) · 12 with branches Dania — best local 4.25% (Citibank, National Association) · 2 with branches Davie — best local 4.29% (TD Bank, National Association) · 6 with branches Deerfield Beach — best local 4.30% (FirstBank Puerto Rico) · 6 with branches Fort Lauderdale — best local 4.29% (TD Bank, National Association) · 25 with branches Hallandale — best local 4.35% (Third Federal Savings and Loan Association of Cleveland) · 4 with branches Hallandale Beach — best local 4.29% (TD Bank, National Association) · 2 with branches Hollywood — best local 4.29% (TD Bank, National Association) · 9 with branches Lauderhill — best local 3.50% (We Florida Financial) · 4 with branches Lighthouse Point — best local 4.29% (TD Bank, National Association) · 5 with branches Margate — best local 4.29% (TD Bank, National Association) · 6 with branches Miramar — best local 4.25% (Citibank, National Association) · 6 with branches Oakland Park — best local 4.29% (TD Bank, National Association) · 4 with branches Pembroke Pines — best local 4.30% (FirstBank Puerto Rico) · 13 with branches Plantation — best local 4.35% (Third Federal Savings and Loan Association of Cleveland) · 10 with branches Pompano Beach — best local 4.29% (TD Bank, National Association) · 7 with branches Sunrise — best local 4.25% (Space Coast) · 7 with branches Tamarac — best local 4.29% (TD Bank, National Association) · 6 with branches Weston — best local 4.29% (TD Bank, National Association) · 10 with branches Wilton Manors — best local 2.45% (BankUnited, National Association) · 3 with branches Englewood — best local 3.75% (TrustCo Bank) · 5 with branches Punta Gorda — best local 4.50% (Suncoast) · 6 with branches Beverly Hills — best local 3.00% (The Huntington National Bank) · 2 with branches Hernando — promos only · 2 with branches Inverness — best local 4.50% (Suncoast) · 4 with branches Fleming Island — best local 4.29% (Community First Credit Union of Florida) · 2 with branches Green Cove Springs — best local 1.51% (Wells Fargo Bank, National Association) · 2 with branches Middleburg — best local 1.51% (Wells Fargo Bank, National Association) · 2 with branches Orange Park — best local 4.29% (Community First Credit Union of Florida) · 7 with branches Immokalee — best local 4.50% (Suncoast) · 2 with branches Marco Island — best local 2.50% (First-Citizens Bank & Trust Company) · 5 with branches Naples — best local 4.75% (Nicolet National Bank) · 22 with branches Lake City — best local 4.29% (TD Bank, National Association) · 8 with branches Arcadia — best local 4.50% (Suncoast) · 4 with branches Jacksonville — best local 4.29% (TD Bank, National Association) · 19 with branches Jacksonville Beach — best local 4.29% (Community First Credit Union of Florida) · 3 with branches Neptune Beach — best local 4.29% (Community First Credit Union of Florida) · 3 with branches Cantonment — best local 0.70% (Harvesters) · 2 with branches Pensacola — best local 3.70% (Gulf Winds) · 11 with branches Palm Coast — best local 4.25% (Space Coast) · 6 with branches Wauchula — best local 4.50% (Suncoast) · 3 with branches Clewiston — best local 3.82% (First Bank) · 2 with branches Brooksville — best local 4.50% (Suncoast) · 4 with branches Spring Hill — best local 4.50% (Suncoast) · 7 with branches Avon Park — best local 3.00% (MIDFLORIDA) · 3 with branches Lake Placid — best local 4.29% (TD Bank, National Association) · 4 with branches Sebring — best local 4.50% (Suncoast) · 6 with branches Apollo Beach — best local 4.29% (TD Bank, National Association) · 3 with branches Brandon — best local 4.50% (Suncoast) · 10 with branches Lutz — best local 4.50% (Suncoast) · 7 with branches Plant City — best local 4.50% (Suncoast) · 6 with branches Riverview — best local 4.50% (Suncoast) · 5 with branches Ruskin — best local 4.50% (Suncoast) · 2 with branches Seffner — best local 4.50% (Suncoast) · 4 with branches Tampa — best local 4.50% (Suncoast) · 30 with branches Temple Terrace — best local 4.29% (TD Bank, National Association) · 5 with branches Valrico — best local 4.50% (Suncoast) · 5 with branches Bonifay — best local 3.65% (Innovations Financial) · 3 with branches Sebastian — best local 4.29% (TD Bank, National Association) · 6 with branches Vero Beach — best local 4.29% (TD Bank, National Association) · 11 with branches Marianna — best local 4.28% (All In) · 7 with branches Clermont — best local 4.28% (McCoy) · 11 with branches Eustis — best local 4.29% (TD Bank, National Association) · 7 with branches Lady Lake — best local 4.29% (TD Bank, National Association) · 7 with branches Leesburg — best local 3.82% (Addition Financial) · 9 with branches Mount Dora — best local 3.65% (FAIRWINDS) · 7 with branches Tavares — best local 1.51% (Wells Fargo Bank, National Association) · 3 with branches The Villages — best local 3.00% (MIDFLORIDA) · 6 with branches Cape Coral — best local 4.50% (Suncoast) · 11 with branches Estero — best local 4.29% (TD Bank, National Association) · 7 with branches Fort Myers — best local 4.50% (Suncoast) · 16 with branches Lehigh Acres — best local 4.50% (Suncoast) · 5 with branches Sanibel — best local 1.51% (Wells Fargo Bank, National Association) · 2 with branches St. James City — best local 0.10% (First Horizon Bank) · 2 with branches Tallahassee — best local 4.15% (Blue Coast) · 13 with branches Chiefland — best local 4.50% (Suncoast) · 3 with branches Madison — best local 4.15% (Blue Coast) · 2 with branches Bradenton — best local 4.50% (Suncoast) · 16 with branches Ellenton — best local 4.50% (Suncoast) · 3 with branches Lakewood Ranch — best local 2.50% (First-Citizens Bank & Trust Company) · 2 with branches Sarasota — best local 4.50% (Suncoast) · 26 with branches Belleview — best local 3.00% (MIDFLORIDA) · 6 with branches Dunnellon — best local 3.00% (The Huntington National Bank) · 2 with branches Ocala — best local 4.30% (Gala Bank) · 14 with branches The Villages — best local 3.00% (MIDFLORIDA) · 6 with branches Hobe Sound — best local 1.51% (Wells Fargo Bank, National Association) · 2 with branches Jensen Beach — best local 1.51% (Wells Fargo Bank, National Association) · 4 with branches Palm City — best local 1.51% (Wells Fargo Bank, National Association) · 4 with branches Stuart — best local 4.29% (TD Bank, National Association) · 12 with branches Aventura — best local 4.40% (HSBC Bank USA, National Association) · 15 with branches Coral Gables — best local 4.35% (Pibank, National Association) · 25 with branches Cutler Bay — best local 4.29% (TD Bank, National Association) · 4 with branches Doral — best local 4.35% (Pibank, National Association) · 16 with branches Hialeah — best local 4.30% (FirstBank Puerto Rico) · 17 with branches Homestead — best local 4.29% (TD Bank, National Association) · 7 with branches Key Biscayne — best local 4.25% (Citibank, National Association) · 6 with branches Miami — best local 4.40% (HSBC Bank USA, National Association) · 36 with branches Miami Beach — best local 4.29% (TD Bank, National Association) · 10 with branches Miami Lakes — best local 4.29% (TD Bank, National Association) · 11 with branches Miami Shores — best local 4.29% (TD Bank, National Association) · 3 with branches Miami Springs — best local 1.51% (Wells Fargo Bank, National Association) · 3 with branches North Miami — best local 4.29% (TD Bank, National Association) · 6 with branches Palmetto Bay — best local 4.29% (TD Bank, National Association) · 2 with branches Pinecrest — best local 4.25% (Citibank, National Association) · 6 with branches South Miami — best local 2.50% (First-Citizens Bank & Trust Company) · 3 with branches Sunny Isles Beach — best local 4.29% (TD Bank, National Association) · 5 with branches Surfside — best local 4.25% (Citibank, National Association) · 3 with branches West Miami — best local 0.50% (Sunstate Bank) · 2 with branches Key Largo — best local 1.51% (Wells Fargo Bank, National Association) · 2 with branches Key West — best local 3.50% (Keys) · 4 with branches Marathon — best local 3.50% (Keys) · 3 with branches Tavernier — best local 3.50% (Keys) · 2 with branches Callahan — best local 4.29% (Community First Credit Union of Florida) · 4 with branches Fernandina Beach — best local 1.51% (Wells Fargo Bank, National Association) · 5 with branches Yulee — best local 4.29% (Community First Credit Union of Florida) · 5 with branches Crestview — best local 4.28% (All In) · 5 with branches Destin — best local 3.71% (Eglin) · 6 with branches Niceville — best local 3.71% (Eglin) · 5 with branches Okeechobee — best local 3.00% (MIDFLORIDA) · 3 with branches Apopka — best local 4.28% (McCoy) · 12 with branches Maitland — best local 4.28% (McCoy) · 5 with branches Ocoee — best local 4.28% (McCoy) · 4 with branches Orlando — best local 4.50% (Suncoast) · 28 with branches Windermere — best local 3.75% (TrustCo Bank) · 3 with branches Winter Garden — best local 4.29% (TD Bank, National Association) · 13 with branches Winter Park — best local 4.50% (Suncoast) · 19 with branches Kissimmee — best local 4.50% (Suncoast) · 12 with branches St. Cloud — best local 3.82% (Addition Financial) · 4 with branches Belle Glade — best local 3.82% (First Bank) · 3 with branches Boca Raton — best local 4.40% (Beal Bank USA) · 22 with branches Boynton Beach — best local 4.29% (TD Bank, National Association) · 9 with branches Delray Beach — best local 4.35% (Third Federal Savings and Loan Association of Cleveland) · 11 with branches Greenacres — best local 4.35% (Third Federal Savings and Loan Association of Cleveland) · 5 with branches Juno Beach — best local 4.29% (TD Bank, National Association) · 2 with branches Jupiter — best local 4.29% (TD Bank, National Association) · 9 with branches Lake Worth — best local 4.29% (TD Bank, National Association) · 5 with branches Lantana — best local 1.51% (Wells Fargo Bank, National Association) · 3 with branches North Palm Beach — best local 4.35% (Third Federal Savings and Loan Association of Cleveland) · 9 with branches Palm Beach — best local 4.20% (CIBC Bank USA) · 10 with branches Palm Springs — best local 1.51% (Wells Fargo Bank, National Association) · 3 with branches Riviera Beach — best local 4.75% (First Choice) · 3 with branches Royal Palm Beach — best local 4.29% (TD Bank, National Association) · 6 with branches Tequesta — best local 4.29% (TD Bank, National Association) · 4 with branches Wellington — best local 4.29% (TD Bank, National Association) · 5 with branches Dade City — best local 4.50% (Suncoast) · 3 with branches Holiday — best local 4.50% (Suncoast) · 2 with branches Hudson — best local 3.82% (GTE Financial) · 3 with branches Land O Lakes — best local 4.29% (TD Bank, National Association) · 4 with branches Lutz — best local 4.50% (Suncoast) · 7 with branches Odessa — best local 3.00% (USF Federal Credit Union) · 4 with branches Port Richey — best local 4.50% (Suncoast) · 5 with branches Trinity — best local 1.51% (Wells Fargo Bank, National Association) · 2 with branches Zephyrhills — best local 4.50% (Suncoast) · 4 with branches Belleair Bluffs — best local 3.64% (BayFirst National Bank) · 6 with branches Clearwater — best local 4.50% (Suncoast) · 15 with branches Dunedin — best local 3.00% (MIDFLORIDA) · 4 with branches Largo — best local 4.29% (TD Bank, National Association) · 11 with branches Palm Harbor — best local 4.00% (Pinellas) · 6 with branches Pinellas Park — best local 3.64% (BayFirst National Bank) · 7 with branches Seminole — best local 4.35% (Third Federal Savings and Loan Association of Cleveland) · 7 with branches St. Petersburg — best local 5.00% (Raymond James Bank) · 23 with branches Tarpon Springs — best local 4.29% (TD Bank, National Association) · 6 with branches Auburndale — best local 3.00% (MIDFLORIDA) · 2 with branches Bartow — best local 3.20% (Pentagon) · 4 with branches Davenport — best local 4.50% (Suncoast) · 5 with branches Haines City — best local 3.00% (MIDFLORIDA) · 3 with branches Lake Wales — best local 3.00% (MIDFLORIDA) · 3 with branches Lakeland — best local 4.50% (Suncoast) · 12 with branches Winter Haven — best local 4.29% (TD Bank, National Association) · 8 with branches Palatka — best local 4.29% (TD Bank, National Association) · 3 with branches Gulf Breeze — best local 4.00% (Santa Rosa County) · 5 with branches Jay — best local 4.00% (Santa Rosa County) · 2 with branches Milton — best local 4.00% (Santa Rosa County) · 5 with branches Navarre — best local 3.71% (Eglin) · 2 with branches Pace — best local 4.00% (Santa Rosa County) · 7 with branches Englewood — best local 3.75% (TrustCo Bank) · 5 with branches Lakewood Ranch — best local 2.50% (First-Citizens Bank & Trust Company) · 2 with branches Nokomis — best local 0.10% (First Horizon Bank) · 3 with branches North Port — best local 4.50% (Suncoast) · 7 with branches Sarasota — best local 4.50% (Suncoast) · 26 with branches Venice — best local 4.50% (Suncoast) · 10 with branches Altamonte Springs — best local 4.29% (TD Bank, National Association) · 10 with branches Lake Mary — best local 4.28% (McCoy) · 14 with branches Longwood — best local 4.40% (DFCU Financial) · 10 with branches Maitland — best local 4.28% (McCoy) · 5 with branches Oviedo — best local 3.75% (TrustCo Bank) · 8 with branches Sanford — best local 4.29% (TD Bank, National Association) · 9 with branches Winter Park — best local 4.50% (Suncoast) · 19 with branches Jacksonville — best local 4.29% (TD Bank, National Association) · 19 with branches Ponte Vedra — best local 1.51% (Wells Fargo Bank, National Association) · 2 with branches Ponte Vedra Beach — best local 2.50% (First-Citizens Bank & Trust Company) · 7 with branches St. Augustine — best local 4.29% (TD Bank, National Association) · 8 with branches St. Johns — best local 4.29% (TD Bank, National Association) · 4 with branches Fort Pierce — best local 4.29% (TD Bank, National Association) · 7 with branches Port St. Lucie — best local 4.29% (TD Bank, National Association) · 8 with branches Bushnell — best local 4.50% (Suncoast) · 2 with branches Lady Lake — best local 4.29% (TD Bank, National Association) · 7 with branches The Villages — best local 3.00% (MIDFLORIDA) · 6 with branches Wildwood — best local 4.50% (Suncoast) · 5 with branches Live Oak — best local 4.29% (TD Bank, National Association) · 3 with branches Perry — best local 4.15% (Blue Coast) · 4 with branches Daytona Beach — best local 4.29% (TD Bank, National Association) · 7 with branches Deland — best local 4.50% (Launch Credit Union) · 9 with branches Deltona — best local 4.25% (Space Coast) · 3 with branches Edgewater — best local 4.50% (Launch Credit Union) · 3 with branches New Smyrna Beach — best local 4.29% (TD Bank, National Association) · 6 with branches Orange City — best local 4.50% (Launch Credit Union) · 10 with branches Ormond Beach — best local 4.50% (Launch Credit Union) · 10 with branches Port Orange — best local 4.50% (Launch Credit Union) · 10 with branches South Daytona — best local 4.50% (Launch Credit Union) · 2 with branches Destin — best local 3.71% (Eglin) · 6 with branches Freeport — best local 3.71% (Eglin) · 3 with branches Miramar — best local 4.25% (Citibank, National Association) · 6 with branches Miramar Beach — best local 3.00% (The Huntington National Bank) · 2 with branches Chipley — best local 3.65% (Innovations Financial) · 5 with branches Best Florida CD rates by term: 3 mo 6 mo 9 mo 1 yr 18 mo 2 yr 3 yr 4 yr 5 yr · by county · by city · all institutions
Rates are read daily from each institution's own posted rate sheet and stamped with the date we verified them. Always confirm with the institution before opening an account — see our terms . Privacy · insiders@betterapy.com · Machine-readable: rates.json