Florida CD rates › By county › Miami-Dade County › Key Biscayne
✓ 6 institutions with branches in Key Biscayne · 114 you can open · verified 2026-10-01
Key Biscayne is in Miami-Dade 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 | 3.00% | Amerant Bank, National Association Bank · branch in Key Biscayne · 21 FL branches | $10k | Anyone |
| 6 mo | 0.10% | First Horizon Bank Bank · branch in Key Biscayne · 76 FL branches | — | Anyone |
| 9 mo | 3.25% | Amerant Bank, National Association Bank · branch in Key Biscayne · 21 FL branches | $10k | Anyone |
| 1 yr | 4.25% | Citibank, National Association Bank · branch in Key Biscayne · 53 FL branches | $500 | Anyone |
| 18 mo | 2.50% | Amerant Bank, National Association Bank · branch in Key Biscayne · 21 FL branches | $10k | Anyone |
| 2 yr | 2.50% | Amerant Bank, National Association Bank · branch in Key Biscayne · 21 FL branches | $10k | Anyone |
| 3 yr | 2.50% | Amerant Bank, National Association Bank · branch in Key Biscayne · 21 FL branches | $10k | Anyone |
| 4 yr | 2.50% | Amerant Bank, National Association Bank · branch in Key Biscayne · 21 FL branches | $10k | Anyone |
| 5 yr | 2.50% | Amerant Bank, National Association Bank · branch in Key Biscayne · 21 FL branches | $10k | Anyone |
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 |
|---|---|---|
| Citibank, National Association Bank · branch in Key Biscayne · 53 FL branches | 4.25% 1 yr · $500 min | Anyone |
| JPMorgan Chase Bank, National Association Bank · branch in Key Biscayne · 419 FL branches | 4.00% 7 mo · $100k min | Anyone |
| Amerant Bank, National Association Bank · branch in Key Biscayne · 21 FL branches | 3.25% 9 mo · $10k min | Anyone |
| Wells Fargo Bank, National Association Bank · branch in Key Biscayne · 463 FL branches | 1.51% 1 yr · $2.5k min | Anyone |
| First Horizon Bank Bank · branch in Key Biscayne · 76 FL branches | 0.10% 6 mo · — min | Anyone |
| Truist Bank Bank · branch in Key Biscayne · 441 FL branches | promos only — see page | Anyone |
Also with branches in Key Biscayne, but not posting CD rates on their websites (ask in the branch): Bank of America, National Association · The Northern Trust Company.
| Institution | APY | Term | Minimum | The catch |
|---|---|---|---|---|
| Amerant Bank, National Association Bank · branch in Key Biscayne · 21 FL branches | 4.25% promo | 6 mo | $10k (cap $250k) | Certificate of Deposit (Florida) - promotional — Promotional CD offer for Florida residents; valid as of 09/10/2026; must open by 10/09/2026; min $10,000 from external source; max $250,000 per account/$500,000 |
| Wells Fargo Bank, National Association Bank · branch in Key Biscayne · 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 Key Biscayne · 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 Key Biscayne · 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 Key Biscayne · 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 Key Biscayne · 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 |
| Amerant Bank, National Association Bank · branch in Key Biscayne · 21 FL branches | 4.00% promo | 1 yr | $10k (cap $250k) | Certificate of Deposit (Florida) - promotional — Max $250k · Promotional CD offer for Florida residents; must open by 10/09/2026 |
| Wells Fargo Bank, National Association Bank · branch in Key Biscayne · 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) |
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