BetterAPY

Florida CD rates › By county › Palm Beach County

Best CD rates in Palm Beach County, Florida

✓ 35 institutions with branches here · 116 you can open · verified 2026-10-01

Banks and online banks are open to anyone. Credit unions appear only when their charter covers Palm Beach 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.

Best CD rate by term at branches in Palm Beach County

TermBest local APYInstitutionMinimumWho can open
3 mo4.25%iTHINK Financial
6 locations: Boca Raton, Boynton Beach, Delray Beach +3 more
$1k31 FL counties
6 mo4.25%Beal Bank USA
1 location: Boca Raton
$1kAnyone
9 mo4.30%Beal Bank USA
1 location: Boca Raton
$1kAnyone
1 yr4.35%Beal Bank USA
1 location: Boca Raton
$1kAnyone
18 mo4.35%Beal Bank USA
1 location: Boca Raton
$1kAnyone
2 yr4.40%Beal Bank USA
1 location: Boca Raton
$1kAnyone
3 yr4.00%Beal Bank USA
1 location: Boca Raton
$1kAnyone
4 yr4.00%Beal Bank USA
1 location: Boca Raton
$1kAnyone
5 yr4.75%First Choice
2 locations: Riviera Beach, West Palm Beach
$75k7 FL counties

Best you can open from anywhere

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.

Every bank & credit union with branches in Palm Beach County

InstitutionBranches in Palm BeachBest standard CDWho can open
First Choice
Credit union
Riviera Beach, West Palm Beach4.75% 5 yr · $75k min7 FL counties
Beal Bank USA
Bank
Boca Raton4.40% 2 yr · $1k minAnyone
Third Federal Savings and Loan Association of Cleveland
Bank
Boca Raton, Delray Beach, Greenacres, North Palm Beach4.35% 1 yr · $500 minAnyone
CIBC National Trust Company
Bank
West Palm Beach4.35% 1 yr · $1k minAnyone
CIBC Bank USA
Bank
Palm Beach4.30% 13 mo · $1k minAnyone
TD Bank, National Association
Bank
Boca Raton, Boynton Beach, Delray Beach, Greenacres, Haverhill, Juno Beach +8 more4.29% 2 yr · $0.01 minAnyone
Citibank, National Association
Bank
Boca Raton, Boynton Beach, Delray Beach, North Palm Beach, West Palm Beach4.25% 1 yr · $500 minAnyone
Space Coast
Credit union
Boca Raton4.25% 1 yr · $500 min34 FL counties
iTHINK Financial
Credit union
Boca Raton, Boynton Beach, Delray Beach, Palm Beach Gardens, Royal Palm Beach, West Palm Beach4.25% 3 mo · $1k min31 FL counties
Citizens Bank, National Association
Bank
Palm Beach4.15% 5 mo · $25k minAnyone
EverBank, National Association
Bank
Boca Raton4.10% 7 mo · $1k minAnyone
JPMorgan Chase Bank, National Association
Bank
Boca Raton, Boynton Beach, Delray Beach, Greenacres, Jupiter, Lake Worth +6 more4.00% 7 mo · $100k minAnyone
Dort Financial
Credit union
Boca Raton, North Palm Beach, West Palm Beach4.00% 5 yr · $100k min4 FL counties
First Bank
Bank
Belle Glade3.82% 3 yr · $2.5k minAnyone
United Community Bank
Bank
Boca Raton, Palm Beach Gardens3.80% 8 mo · $2.5k minAnyone
TrustCo Bank
Bank
Juno Beach3.75% 9 mo · $500 minAnyone
Valley National Bank
Bank
Boca Raton, Jupiter, North Palm Beach, Palm Beach, West Palm Beach3.55% 3 mo · $500 minAnyone
Old Dominion National Bank
Bank
Boca Raton3.40% 2 yr · $500 minAnyone
Amerant Bank, National Association
Bank
Boca Raton, Delray Beach, West Palm Beach3.25% 9 mo · $10k minAnyone
Manufacturers and Traders Trust Company
Bank
North Palm Beach, Palm Beach3.00% 6 mo · $1k minAnyone
Wilmington Savings Fund Society, FSB
Bank
Boca Raton3.00% 3 mo · $2.5k minAnyone
First Bank
Bank
Palm Beach3.00% 1 yr · $500 minAnyone
First-Citizens Bank & Trust Company
Bank
Boca Raton, Jupiter2.50% 3 mo · $500 minAnyone
BankUnited, National Association
Bank
Boca Raton, Boynton Beach, Delray Beach, Jupiter, Lake Worth, West Palm Beach2.45% 1 yr · $1k minAnyone
Wells Fargo Bank, National Association
Bank
Belle Glade, Boca Raton, Boynton Beach, Delray Beach, Greenacres, Jupiter +10 more1.51% 1 yr · $2.5k minAnyone
Gold Coast
Credit union
Belle Glade, Palm Springs, Royal Palm Beach0.70% 5 yr · $1k minAnyone (via a partner group)
U.S. Bank National Association
Bank
Palm Beach0.40% 5 yr · $1k minAnyone
First Horizon Bank
Bank
Boca Raton, Delray Beach, Jupiter, North Palm Beach, Palm Beach, West Palm Beach0.10% 6 mo · — minAnyone
Truist Bank
Bank
Boca Raton, Boynton Beach, Delray Beach, Greenacres, Jupiter, Lake Worth +10 morepromos only — see pageAnyone
Seacoast National Bank
Bank
Boca Raton, Boynton Beach, Delray Beach, Jupiter, Lantana, Palm Beach Gardens +2 morepromos only — see pageAnyone
Ocean Bank
Bank
Boca Ratonpromos only — see pageAnyone
Pacific National Bank
Bank
Boca Ratonpromos only — see pageAnyone
Evermore Bank
Bank
Wellingtonpromos only — see pageAnyone
ConnectOne Bank
Bank
West Palm Beachpromos only — see pageAnyone
Guardians
Credit union
Boynton Beach, West Palm Beachpromos only — see page4 FL counties

Also with branches in Palm Beach County, but not posting CD rates on their websites (ask in the branch): Bank of America, National Association (Boca Raton, Boynton Beach) · Regions Bank (Boca Raton, Boynton Beach) · Fifth Third Bank, National Association (Boca Raton, Boynton Beach) · PNC Bank, National Association (Belle Glade, Boca Raton) · SouthState Bank, National Association (Boca Raton, Delray Beach) · Pinnacle Bank (Boca Raton, Boynton Beach) · Centennial Bank (Boca Raton, Jupiter) · Bank OZK (Boca Raton) · City National Bank of Florida (Boca Raton, Delray Beach) · The Northern Trust Company (Boca Raton, Delray Beach) · Commerce Bank (Jupiter) · Anchor Bank (Boca Raton, Greenacres) · BankFlorida (Jupiter) · BNY Mellon, National Association (West Palm Beach) · Interamerican Bank, A FSB (West Palm Beach) · Wilmington Trust, National Association (North Palm Beach, Palm Beach) · First National Bank of Coffee County (Boca Raton, North Palm Beach) · Natbank, National Association (Boynton Beach) · Cypress Bank & Trust (Palm Beach) · KeyBank National Association (Palm Beach Gardens) · Safra National Bank of New York (Palm Beach) · Paradise Bank (Boca Raton, Delray Beach) · Bank of Belle Glade (Belle Glade) · NBH Bank (Palm Beach Gardens) · Velocity Community (Jupiter, Palm Beach Gardens) · South Atlantic (Boca Raton).

Promos & specials at branches in Palm Beach County

InstitutionAPYTermMinimumThe catch
Dort Financial
3 locations: Boca Raton, North Palm Beach, West Palm Beach
5.00% promo11 mo$5kRelationship Certificate — Max APY 5.00% with Boost Checking qualifications (0.25% bonus) and Dort Visa card (0.25% bonus); renews to 12-month certificate; consumer only · 4 FL counties
Dort Financial
3 locations: Boca Raton, North Palm Beach, West Palm Beach
4.60% promo7 mo$5kLimited-Time Certificate Special — New money only; renews to 6-month certificate; consumer and business eligible · 4 FL counties
Evermore Bank
1 location: Wellington
4.50% promo—$10kYour Choice CD Special (customer-selected term 13-20 months) — Limited-time offer; customer picks any term from 13-20 months (no single term printed); $10,000 minimum to open and to earn APY; interest transferred monthly to
CIBC Bank USA
1 location: Palm Beach
4.35% promo1 yr$1k (cap $5M)CIBC Agility CD — Max $5M · Featured rate
Pacific National Bank
1 location: Boca Raton
4.35% promo1 yr—Certificate of Deposit (online special) — New Money Only; domestic personal accounts opened online
TD Bank, National Association
14 locations: Boca Raton, Boynton Beach, Delray Beach +11 more
4.30% promo2 yr$0.01 (cap $10k)TD Choice CD Promotional ($0.01-$9,999.99) — Max $10k
TD Bank, National Association
14 locations: Boca Raton, Boynton Beach, Delray Beach +11 more
4.30% promo2 yr$10k (cap $50k)TD Choice CD Promotional ($10,000-$49,999.99) — Max $50k
TD Bank, National Association
14 locations: Boca Raton, Boynton Beach, Delray Beach +11 more
4.30% promo2 yr$50k (cap $100k)TD Choice CD Promotional ($50,000-$99,999.99) — Max $100k

The statewide promo board, with every catch spelled out, is on the homepage.

CD rates by city in Palm Beach County

Belle Glade · Boca Raton · Boynton Beach · Delray Beach · Greenacres · Juno Beach · Jupiter · Lake Worth · Lantana · North Palm Beach · Palm Beach · Palm Beach Gardens · Palm Springs · Riviera Beach · Royal Palm Beach · Tequesta · Wellington · West Palm Beach

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