Florida CD rates › By county › Brevard County › Cocoa
✓ 6 institutions with branches in Cocoa · 115 you can open · verified 2026-10-01
Cocoa is in Brevard County. Banks and online banks are open to anyone; credit unions appear only when their charter covers the county or they are open to all. Rates move; the date above is when we last read each sheet.
| Term | Best local APY | Institution | Minimum | Who can open |
|---|---|---|---|---|
| 3 mo | 3.75% | Space Coast Credit union · branch in Cocoa · 70 FL branches | $500 | 34 FL counties |
| 6 mo | 3.85% | Space Coast Credit union · branch in Cocoa · 70 FL branches | $500 | 34 FL counties |
| 9 mo | 3.95% | Space Coast Credit union · branch in Cocoa · 70 FL branches | $500 | 34 FL counties |
| 1 yr | 4.25% | Space Coast Credit union · branch in Cocoa · 70 FL branches | $500 | 34 FL counties |
| 18 mo | 4.50% | Launch Credit Union Credit union · branch in Cocoa · 20 FL branches | $1k | 9 FL counties |
| 2 yr | 3.75% | Launch Credit Union Credit union · branch in Cocoa · 20 FL branches | $1k | 9 FL counties |
| 3 yr | 3.55% | Space Coast Credit union · branch in Cocoa · 70 FL branches | $500 | 34 FL counties |
| 4 yr | 3.65% | Space Coast Credit union · branch in Cocoa · 70 FL branches | $500 | 34 FL counties |
| 5 yr | 3.75% | Launch Credit Union Credit union · branch in Cocoa · 20 FL branches | $1k | 9 FL counties |
3 mo 4.10% Beal Bank USA · 6 mo 4.40% Quorum Federal Credit Union · 9 mo 4.40% OMB Bank · 1 yr 4.50% Quorum Federal Credit Union · 18 mo 4.65% Raymond James Bank · 2 yr 4.70% Raymond James Bank · 3 yr 4.85% Raymond James Bank · 4 yr 4.95% Raymond James Bank · 5 yr 5.00% Raymond James Bank
Statewide leaders, the same on every city page — banks and online banks take anyone, and these credit unions are open to all. Membership conditions are on each institution's page.
| Institution | Best standard CD | Who can open |
|---|---|---|
| Launch Credit Union Credit union · branch in Cocoa · 20 FL branches | 4.50% 18 mo · $1k min | 9 FL counties |
| Space Coast Credit union · branch in Cocoa · 70 FL branches | 4.25% 1 yr · $500 min | 34 FL counties |
| JPMorgan Chase Bank, National Association Bank · branch in Cocoa · 419 FL branches | 4.00% 7 mo · $100k min | Anyone |
| Community Credit Union of Florida Credit union · branch in Cocoa · 8 FL branches | 3.75% 6 mo · $1k min | 6 FL counties |
| Wells Fargo Bank, National Association Bank · branch in Cocoa · 463 FL branches | 1.51% 1 yr · $2.5k min | Anyone |
| Truist Bank Bank · branch in Cocoa · 441 FL branches | promos only — see page | Anyone |
Also with branches in Cocoa, but not posting CD rates on their websites (ask in the branch): PNC Bank, National Association · Community Bank of the South.
| Institution | APY | Term | Minimum | The catch |
|---|---|---|---|---|
| Wells Fargo Bank, National Association Bank · branch in Cocoa · 463 FL branches | 4.25% promo | 11 mo | $5k (cap $2.5M) | 11 month Special Fixed Rate CD (Relationship APY) — Max $2.5M · Requires linked checking — Miami/Tampa pricing (varies by location) |
| Wells Fargo Bank, National Association Bank · branch in Cocoa · 463 FL branches | 4.25% promo | 11 mo | $5k (cap $2.5M) | Special Fixed Rate CD (11 month) - Relationship APY — Max $2.5M · Requires linked qualifying checking — Orlando/Jacksonville pricing (varies by location) |
| Wells Fargo Bank, National Association Bank · branch in Cocoa · 463 FL branches | 4.10% promo | 7 mo | $5k (cap $2.5M) | 7 month Special Fixed Rate CD (Relationship APY) — Max $2.5M · Requires linked checking — Miami/Tampa pricing (varies by location) |
| Wells Fargo Bank, National Association Bank · branch in Cocoa · 463 FL branches | 4.10% promo | 7 mo | $5k (cap $2.5M) | Special Fixed Rate CD (7 month) - Relationship APY — Max $2.5M · Requires linked qualifying checking — Orlando/Jacksonville pricing (varies by location) |
| JPMorgan Chase Bank, National Association Bank · branch in Cocoa · 419 FL branches | 4.00% promo | 7 mo | $100k | CD relationship rate (featured, $100,000 minimum) — Requires qualifying linked Chase personal checking account; not applicable to retirement CDs |
| Wells Fargo Bank, National Association Bank · branch in Cocoa · 463 FL branches | 4.00% promo | 15 mo | $5k (cap $2.5M) | 15 month Special Fixed Rate CD (Relationship APY) — Max $2.5M · Requires linked checking — Miami/Tampa pricing (varies by location) |
| Wells Fargo Bank, National Association Bank · branch in Cocoa · 463 FL branches | 4.00% promo | 15 mo | $5k (cap $2.5M) | Special Fixed Rate CD (15 month) - Relationship APY — Max $2.5M · Requires linked qualifying checking — Orlando/Jacksonville pricing (varies by location) |
| Wells Fargo Bank, National Association Bank · branch in Cocoa · 463 FL branches | 3.99% promo | 11 mo | $5k (cap $2.5M) | 11 month Special Fixed Rate CD — Max $2.5M · Renewal term 6 months — Miami/Tampa pricing (varies by location) |
Brevard County · Cape Canaveral · Cocoa Beach · Indialantic · Indian Harbour Beach · Melbourne · Merritt Island · Palm Bay · Rockledge · Titusville · Viera · West Melbourne
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