Best CD rates in Florida
Popular Direct has the highest APY in this tracked sample of 31 institutions: 5.00% APY for 60 months, verified October 22, 2026.
These institutions list Florida in their operating coverage. Regional quotes apply only to the displayed ZIP, not the entire state. Nationwide institutions appear alongside regional banks and credit unions. We show each institution's highest matching APY, rather than an exhaustive market ranking. All quotes were verified within the last seven days. Membership, new-money and relationship requirements may apply; confirm eligibility and terms with the institution.
| Institution | Term / product | Minimum | Quote coverage | APY | Verified / evidence |
|---|---|---|---|---|---|
| Popular Direct | 60 monthsCertificate of Deposit · Standard | $10,000 | Nationwide; check eligibility | 5.00% | October 22, 2026 Source text |
| E*TRADE (Morgan Stanley Private Bank) | 24 monthsBank CD · Promotional | Not stated | Nationwide; check eligibility | 4.80% | October 22, 2026 Source text |
| Wings Credit Union (formerly Ent) | 6 monthsMy Savings Builder Certificate · Special | $25 | Coverage: CO, FL, GA, MI, MN, WI | 4.80% | October 22, 2026 Source text |
| Barclays | 24 months24 Month CD · Standard | Not stated | Nationwide; check eligibility | 4.75% | October 22, 2026 Source text |
| Sallie Mae Bank | 60 monthsCertificate of Deposit (CD) · Standard | $2,500 | Nationwide; check eligibility | 4.75% | October 22, 2026 Source text |
| CIBC Bank USA (CIBC Agility) | 12 monthsCIBC Agility™ Certificate of Deposit (CD) · Promotional | $1,000 | Nationwide; check eligibility | 4.50% | October 22, 2026 Source text |
| Suncoast Credit Union | 18 monthsJumbo Certificate · Standard | $100,000 | Coverage: FL | 4.50% | October 22, 2026 Source text |
| Synchrony Bank | 60 monthsCD · Standard | Not stated | Nationwide; check eligibility | 4.50% | October 22, 2026 Source text |
| Teachers Federal Credit Union | 22 monthsCertificate · Special | $1,000 | Tampa, FL · ZIP 33602 | 4.50% | October 22, 2026 Source text |
| Ally Bank | 18 monthsHigh Yield Certificate of Deposit (CD) · Standard | Not stated | Nationwide; check eligibility | 4.40% | October 22, 2026 Source text |
| American Express National Bank | 10 monthsCertificate of Deposit (CD) · Promotional | Not stated | Nationwide; check eligibility | 4.40% | October 22, 2026 Source text |
| Capital One | 11 months360 CD · Promotional | Not stated | Nationwide; check eligibility | 4.40% | October 22, 2026 Source text |
| DFCU Financial | 24 monthsShare Certificate · Standard | $1,000 | Coverage: FL, MI | 4.40% | October 22, 2026 Source text |
| Marcus by Goldman Sachs | 12 monthsHigh-Yield CD · Standard | $500 | Nationwide; check eligibility | 4.40% | October 22, 2026 Source text |
| City National Bank | 12 monthsSpecial 12-Month Fixed Rate CD · Promotional | $2,500 | Coverage: CA, DC, FL, GA, NV, NY, TN, VA | 4.39% | October 22, 2026 Source text |
| Bask Bank | 12 monthsBask Bank Certificate of Deposit · Standard | $1,000 | Nationwide; check eligibility | 4.35% | October 22, 2026 Source text |
| EverBank | 24 monthsEverBank Performance® CDs · Standard | Not stated | Nationwide; check eligibility | 4.35% | October 22, 2026 Source text |
| Navy Federal Credit Union | 12 monthsSpecial EasyStart Certificate · Promotional | $50 | Coverage: AL, AZ, CA, CO, CT, DC, FL, GA, GU, HI, IL, KS, KY, LA, MD, MI, MO, MS, NC, NE, NJ, NM, NV, NY, OH, OK, PA, RI, SC, TN, TX, VA, WA | 4.35% | October 22, 2026 Source text |
| VyStar Credit Union | 30 monthsCD · Standard | $50,000 | Coverage: FL, GA | 4.35% | October 22, 2026 Source text |
| Flagstar Bank | 12 months12-Month CD · Promotional | $500 | Coverage: AZ, CA, FL, IN, MI, NC, NJ, NY, OH, WI | 4.30% | October 22, 2026 Source text |
| TD Bank | 24 monthsTD Choice CD · Promotional | $250 | Miami, FL · ZIP 33130 | 4.30% | October 22, 2026 Source text |
| Space Coast Credit Union | 12 monthsCertificate of Deposit (CD) · Standard | $500 | Coverage: FL | 4.25% | October 22, 2026 Source text |
| Webster Bank | 11 monthsPrivate 11 Month · Promotional | $500 | Coverage: CT, DE, FL, MA, NH, NJ, NY, PA, RI | 4.25% | October 22, 2026 Source text |
| Fifth Third Bank | 13 months13 Month CD Promo · Promotional | $5,000 | Tampa, FL · ZIP 33602 | 4.15% | October 22, 2026 Source text |
| Valley Bank | 6 months6-Month CD Promotion · Promotional | $500 | Coverage: AL, CA, FL, IL, NJ, NY | 4.10% | October 22, 2026 Source text |
| CIT Bank | 12 months1-Year Term CD · Standard | $1,000 | Nationwide; check eligibility | 4.00% | October 22, 2026 Source text |
| First Citizens Bank | 5 months5-Month CD · Promotional | $5,000 | Coverage: AZ, CA, CO, FL, GA, HI, KS, MA, MD, MO, NC, NE, NM, NV, OK, OR, SC, TN, TX, VA, WA, WI, WV | 4.00% | October 22, 2026 Source text |
| Huntington Bank | 5 monthsFixed Rate CD · Promotional | $1,000 | Tampa, FL · ZIP 33618 | 4.00% | October 22, 2026 Source text |
| M&T Bank | 18 monthsM&T Select CD · Relationship | $1,000 | North Palm Beach, FL · ZIP 33408 | 3.85% | October 22, 2026 Source text |
| FAIRWINDS Credit Union | 60 months60-Month CD · Standard | $1,000 | Coverage: FL | 3.70% | October 22, 2026 Source text |
| PenFed Credit Union | 60 monthsMoney Market Certificate · Promotional | $1,000 | Nationwide; check eligibility | 3.50% | October 22, 2026 Source text |
Compare with public benchmarks
The highest tracked quote is 5.00% APY for 60 months. The Treasury APY-equivalent for a similar term is 5.01% (2026-10-21). The FDIC national average for a similar term is 1.41% (2026-10-19). Benchmark terms may differ; Treasury interest is exempt from state income tax.
Common questions
Which institution has the highest tracked rate?
Popular Direct has the highest APY in this tracked sample of 31 institutions: 5.00% APY for 60 months, verified October 22, 2026.
Who can open these CDs or share certificates?
Check the displayed minimum deposit and location. Credit union membership, new-money and relationship requirements may apply; confirm terms with the institution.
How current are these rates?
Every quote in this collection was verified within the last seven days. Source snapshots and verification dates appear in the table; rates may change before you open an account.
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