Florida CD rates › By county › Monroe County
✓ 4 institutions with branches here · 112 you can open · verified 2026-10-01
Banks and online banks are open to anyone. Credit unions appear only when their charter covers Monroe County or they are open to all — employer-only and out-of-state charters are left off rather than listed with a catch you can't clear. Rates move; the date above is when we last read each sheet.
| Term | Best local APY | Institution | Minimum | Who can open |
|---|---|---|---|---|
| 3 mo | 0.06% | Wells Fargo Bank, National Association 2 locations: Key Largo, Key West | $2.5k | Anyone |
| 6 mo | 0.60% | Keys 4 locations: Big Pine Key, Key West, Marathon +1 more | $500 | 1 FL county |
| 9 mo | 0.10% | First Horizon Bank 6 locations: Big Pine Key, Islamorada, Key Largo +3 more | — | Anyone |
| 1 yr | 1.51% | Wells Fargo Bank, National Association 2 locations: Key Largo, Key West | $2.5k | Anyone |
| 2 yr | 1.00% | Keys 4 locations: Big Pine Key, Key West, Marathon +1 more | $500 | 1 FL county |
| 3 yr | 1.50% | Keys 4 locations: Big Pine Key, Key West, Marathon +1 more | $500 | 1 FL county |
| 4 yr | 2.50% | Keys 4 locations: Big Pine Key, Key West, Marathon +1 more | $500 | 1 FL county |
| 5 yr | 3.50% | Keys 4 locations: Big Pine Key, Key West, Marathon +1 more | $500 | 1 FL county |
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
These are the same statewide leaders on every county page — banks and online banks take anyone, and the credit unions here are open to all. Membership conditions are on each institution's page.
| Institution | Branches in Monroe | Best standard CD | Who can open |
|---|---|---|---|
| Keys Credit union | Big Pine Key, Key West, Marathon, Tavernier | 3.50% 5 yr · $500 min | 1 FL county |
| Wells Fargo Bank, National Association Bank | Key Largo, Key West | 1.51% 1 yr · $2.5k min | Anyone |
| First Horizon Bank Bank | Big Pine Key, Islamorada, Key Largo, Key West, Marathon, Tavernier | 0.10% 6 mo · — min | Anyone |
| Truist Bank Bank | Key West, Marathon | promos only — see page | Anyone |
Also with branches in Monroe County, but not posting CD rates on their websites (ask in the branch): Bank of America, National Association (Key Largo, Key West) · SouthState Bank, National Association (Tavernier) · Centennial Bank (Big Pine Key, Islamorada) · The Northern Trust Company (Key Largo) · First State Bank (Big Pine Key, Islamorada) · Gulf Atlantic Bank (Key West) · Southernmost (Key West).
| Institution | APY | Term | Minimum | The catch |
|---|---|---|---|---|
| Wells Fargo Bank, National Association 2 locations: Key Largo, Key West | 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 2 locations: Key Largo, Key West | 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 2 locations: Key Largo, Key West | 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 2 locations: Key Largo, Key West | 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) |
| Wells Fargo Bank, National Association 2 locations: Key Largo, Key West | 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 2 locations: Key Largo, Key West | 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 2 locations: Key Largo, Key West | 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) |
| Wells Fargo Bank, National Association 2 locations: Key Largo, Key West | 3.99% promo | 11 mo | $5k (cap $2.5M) | Special Fixed Rate CD (11 month) — Max $2.5M · Special Interest Rate 3.91%; renews to 6 month term, renewal APY 0.05% — Orlando/Jacksonville pricing (varies by location) |
The statewide promo board, with every catch spelled out, is on the homepage.
Big Pine Key · Key Largo · Key West · Marathon · Tavernier
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