Every CD rate below was read from the bank's or credit union's own website and re-checked daily — including the Florida credit unions the national sites never track, with a plain answer to the question they all skip: can I join?
0 institutions verified0 live CD rates0 promos tracked0 FL branches mappedverified
Today's hottest verified promo · 2026-08-25
6.00%APY — a real Florida promo, read off their own rate sheet this morning
The Hot Sheet names the institution and the terms — and shows which of today's 68 verified promos you can actually open.
No unlock needed — best everyday rate: 4.55% — 4-yr at Raymond James Bank ($1k min).
The Hot Sheet · today's hottest verified promos · 2026-08-25
6.00%Priorityno printed term DIG Youth CD · $1,000 max deposit; term not printed · Anyone who lives, works, worships, or attends school in six Central Fl — a great headline on a small bucket
4.60%Publix Employees10-mo · $100k min APY accurate as of 7/15/2026; renews as 12-month certificate at maturity · Publix Super Markets associates, retirees, and their family or househo
4.60%Dort Financial7-mo · $5k min New money only; consumer certificates only; automatically renews to a 6-month certificate at posted rate; divi · Membership eligibility isn't stated on this page, though accounts can
4.33%Tru Fi1-yr Teen 12 month CD Special · max $2.5k · Up to $2,500; Teen account · Anyone who lives, works, attends school or church in Baker or Nassau c — a great headline on a small bucket
Best promo anyone can open: 4.25% — 30-mo at Climate First Bank. No unlock needed — best everyday rate: 4.55% — 4-yr at Raymond James Bank ($1k min).
Unlock the Hot Sheet — see the 6.00% (and its catch) right now, and get new promos and rate moves by email, ahead of this page.
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Best standard rates everyday rates, no gimmicks
One row per institution: the best regular CD it will pay for your filters, ranked by APY — with a plain answer on who can open it. Promotional specials live on the Promo Watch board below.
Institution
APY
Term
Min deposit
Who can open it
Promo Watch specials & limited offers
The eye-catching numbers — with the catch printed right next to them. Caps, new-money rules, and employee gates shown, never hidden. Insiders hear about new promos first — join free.
Institution
APY
Term
Min / Max
The catch
Why BetterAPY is different
Read from the source, daily
We don't survey, estimate, or copy other rate sites. Our collector reads each institution's own published rate sheet every morning and shows you the date on everything. In our checks, national rate sites have listed a Florida credit union's CD at 4.35% on a day its own sheet said 3.20% — more than a full point of stale. We read the sheet.
"Can I actually join?" answered
Credit unions pay the best rates in Florida — and every one has membership rules. We read them and turn them into one plain sentence, so you only chase rates you qualify for.
No pay-to-rank, ever
Rankings are ordered by APY and your filters. Nothing here paid to be listed, and a promo's fine print is part of the listing, not a footnote.