Image Courtesy: www.pixabay.com
Image Courtesy: www.pixabay.com
You are viewing rates from banks across Florida
Below are three-year CD Rates from banks in Florida. Three-years is an intermediate term for CDs and as the term increases the yield will generally go up as well. Three year CDs are a popular component of many CD ladders and usually offer a good tradeoff between yield and how long you must keep the money locked in.
FL - December 22, 2024
3 Year CD National Average : 0.75% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
|
4.15% |
$5,000 |
- |
Learn More
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Rate History: 3.75% → 3.95% → 4.00% → 4.10% → 4.15% |
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3.95% |
$1,000 |
- |
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Rate History: 3.80% → 4.20% → 4.10% → 3.95% |
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Dr. E. F. Ayers; e.f.ayers@outlook.com | Oct 2, 2015 I have a CD maturing on 11/15 please email your CD Rates and contact info. Read More |
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|
3.90% 2.00% |
$2,500 $2,500 |
- |
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Rate History: 5.00% → 4.50% → 3.90% |
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3.85% |
$1,000 |
- |
Learn More
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Rate History: 4.00% → 3.90% → 3.85% |
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george | Feb 9, 2021 The wonderful assistants at Beal Bank are wonderful. Rebeca took great care of me and made sure all my concerns were addressed. Read More |
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3.75% |
$500 |
- |
Learn More
|
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Rate History: 2.75% → 4.00% → 4.75% → 4.00% → 3.75% |
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Molddave | Aug 30, 2023 Try to open account on line make you use PLAID to xfer money PLAID doesn't connect with many banks, Cannot do over phone. Discover, Penfed all ok this bank is useless. I had acct before still bad. Stay aw... Read More |
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3.70% |
$5,000 |
- |
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|
|
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Rate History: 4.18% → 3.98% → 3.70% |
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Matty H | Sep 22, 2023 Terrible bank. Terrible service. Not equipped to service customers outside Florida. Plays games with your taxes by issuing 1090s whenever. Really shouldn't be on this list or your radar. Avoid. Read More |
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|
3.60% |
$0 |
- |
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|
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Rate History: 4.10% → 4.00% → 3.75% → 3.60% |
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highstream | Jan 2, 2024 Like others, I've been with Capital One and its predecessor ING Direct since 2007. I've also been getting cheap bank rates on my savings account and didn't realize that there was something better, although... Read More |
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|
3.60% |
$0 |
- |
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|
|
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Rate History: 3.25% → 3.60% |
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lrcbob | Jul 26, 2024 Multiple roadblocks trying to set up a savings account with Ivy Bank and my application was ultimately declined, in spite of my multiple CDs among three banks, stock investments, eleven credit cards, and c... Read More |
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|
3.50% |
$1,000 |
- |
Learn More
|
|
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Rate History: 3.75% → 3.50% → 3.00% → 3.50% |
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Customer | Jul 28, 2022 Not at all happy with Truist compared to BB+T. New transaction policy makes them painfully slow. Paying .01 % interest on money market accounts, 13 week T Bill's are around $2.5%.I hope that they are enj... Read More |
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|
3.45% 0.30% |
$250,000 $1,000 |
- |
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|
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Rate History: 3.70% → 3.55% → 3.75% → 3.45% |
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NORTY FLATZ | Dec 3, 2019 Have done business with "Hope's" San Diego branch for a few years. Always courteous and helpful. Looking forward to doing business with them in the future. Read More |
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3.36% |
$1,000 |
- |
Learn More
|
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3.10% |
$500 |
- |
Learn More
|
|
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JohnC | Oct 11, 2020 You probably thought - as did I - that you were looking at a site that belongs to and was the responsibility of Gateway First. After all it includes their headings, selected financial statements, many pag... Read More |
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3.10% |
$5,000 |
- |
Learn More
|
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Dana E. | Mar 20, 2016 Good solid bank. Read More |
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3.00% |
$1,000 |
- |
Learn More
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2.50% |
$1,000 |
- |
Learn More
|
|
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Rate History: 4.30% → 0.55% → 5.10% → 0.55% → 2.50% |
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|
Dkplan | Dec 27, 2022 They gave a hard time with their cashier's check. They returned my deposited check that was emitted by them. Could you believe? Read More |
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2.50% |
$500 |
- |
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|
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Sara Jennings | Dec 26, 2021 SJennings Read More |
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2.50% |
$500 |
- |
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|
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2.00% |
$0 |
- |
Learn More
|
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Azoic | Feb 25, 2022 I joined Citi with a Costco-VISA card. An Accelerate followed, and then a checking account. Costco-VISA is necessary for using a credit card at Costco, otherwise cash is necessary. Accelerate Savings w... Read More |
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|
2.00% |
$10,000 |
- |
Learn More
|
|
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Rate History: 3.00% → 2.50% → 2.00% |
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Hayley7788d@outlook.com | Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More |
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|
1.97% |
$2,500 |
- |
Learn More
|
|
|
David Klemann Sr. | Dec 8, 2023 We have been banking with Citizen's First for 4 years. Their branches, service, website, and employee attitudes are and always have been excellent. Their branches are warmly personal with free buttered po... Read More |
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1.70% |
$1,000 |
- |
Learn More
|
|
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1.66% |
$10,000 |
- |
Learn More
|
|
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Rate History: 2.02% → 1.66% |
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|
1.56% |
$100,000 |
- |
Learn More
|
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1.55% |
$1,000 |
- |
Learn More
|
|
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Rate History: 2.75% → 2.55% → 1.55% |
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RYAN S | Nov 28, 2022 While USAA was at one point a great option for all your banking needs, the service has deteriorated so much that I'm currently in the process of changing banks after more than 2 decades. The final straw w... Read More |
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1.50% |
$500 |
- |
Learn More
|
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1.41% |
$10,000 |
- |
Learn More
|
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1.40% |
$500 |
- |
Learn More
|
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1.40% |
$500 |
- |
Learn More
|
|
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Rate History: 1.00% → 1.40% |
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Jabbroadway42 | Nov 17, 2020 Is notarie services available today at a woodforest on wilkinson blvd Read More |
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1.35% |
$1,000 |
- |
Learn More
|
|
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Rate History: 0.10% → 1.35% → 4.00% → 1.35% |
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Beenthere | Jan 29, 2024 Tried to enter information on line to open a 5 year CD, multiple time and wasn't accepted. Talked to a live person who was of no help at all. My credit score is over 800 and I have plenty of money in oth... Read More |
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|
1.16% |
$10,000 |
- |
Learn More
|
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1.04% |
$10,000 |
- |
Learn More
|
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1.00% |
$1,000 |
- |
Learn More
|
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1.00% |
$10,000 |
- |
Learn More
|
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0.90% |
$10,000 |
- |
Learn More
|
|
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wlsjacobson | Jul 31, 2017 Outstanding bank, management and client service. Well run and financially very strong Read More |
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|
0.85% |
$1,000 |
- |
Learn More
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0.85% |
$10,000 |
- |
Learn More
|
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0.85% |
$10,000 |
- |
Learn More
|
|
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melissaowens | Apr 1, 2022 This bank is the absolute worst along with [name redacted] and [name redacted]. Their communication is horrible, they lie and are negligent. They told me I was approved for a commercial loan so I moved for... Read More |
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0.85% |
$10,000 |
- |
Learn More
|
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|
0.80% |
$10,000 |
- |
Learn More
|
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0.80% |
$10,000 |
- |
Learn More
|
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0.80% |
$10,000 |
- |
Learn More
|
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0.80% |
$10,000 |
- |
Learn More
|
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0.80% |
$10,000 |
- |
Learn More
|
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0.80% |
$10,000 |
- |
Learn More
|
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0.80% |
$10,000 |
- |
Learn More
|
|
|
0.76% |
$10,000 |
- |
Learn More
|
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|
0.75% |
$10,000 |
- |
Learn More
|
|
|
jpchamorro | Apr 5, 2020 great Read More |
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|
0.75% |
$10,000 |
- |
Learn More
|
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|
0.75% |
$500 |
- |
Learn More
|
|
|
Justice | Jul 22, 2021 This is a criminal lender and the worst bank. They merged with CenterState Bank.. They have made our lives miserable with a wrongful, fraudulent foreclosure. We will be starting a Website with all of the ... Read More |
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0.75% |
$1,000 |
- |
Learn More
|
|
|
nino | Nov 11, 2021 nino Read More |
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0.75% |
$10,000 |
- |
Learn More
|
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|
0.75% |
$10,000 |
- |
Learn More
|
|
|
Fran1 | Feb 4, 2020 Academy was great helping me open a new account Read More |
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|
0.71% |
$10,000 |
- |
Learn More
|
|
|
0.70% |
$100,000 |
- |
Learn More
|
|
|
0.70% |
$10,000 |
- |
Learn More
|
|
|
Chadpatt | Jun 14, 2021 I have banked with Midsouth for 4 years. I deposited a check that was for $6,000. I explained at the time of the deposit that I needed the mo ur available for my sons surgery that was in a few days. They t... Read More |
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|
0.65% |
$10,000 |
- |
Learn More
|
|
|
0.65% |
$10,000 |
- |
Learn More
|
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|
0.60% |
$100,000 |
- |
Learn More
|
|
|
0.60% |
$10,000 |
- |
Learn More
|
|
|
0.60% |
$10,000 |
- |
Learn More
|
|
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0.60% |
$10,000 |
- |
Learn More
|
|
|
0.55% |
$1,000 |
- |
Learn More
|
|
|
0.55% |
$10,000 |
- |
Learn More
|
|
|
0.55% |
$10,000 |
- |
Learn More
|
|
|
0.50% |
$10,000 |
- |
Learn More
|
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0.50% |
$10,000 |
- |
Learn More
|
|
|
0.50% |
$1,000 |
- |
Learn More
|
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|
0.50% |
$500 |
- |
Learn More
|
|
|
0.50% |
$10,000 |
- |
Learn More
|
|
|
BENNIE BROOKS | Mar 25, 2015 OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More |
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0.50% |
$10,000 |
- |
Learn More
|
|
|
danioly24@icloud.com | Jul 31, 2016 This Danny Burgess from Dalton. Ha. 30720 I am nominee next to kin. To Mrs. Endriani pipper and beneficidery. With your bank I want know. If you have received. The letter of funds release sent to ... Read More |
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0.50% |
$10,000 |
- |
Learn More
|
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|
0.50% |
$10,000 |
- |
Learn More
|
|
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Mark2 | Oct 2, 2020 O stars! Horrible bank Read More |
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0.45% |
$100,000 |
- |
Learn More
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0.45% |
$10,000 |
- |
Learn More
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0.45% |
$10,000 |
- |
Learn More
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0.45% |
$10,000 |
- |
Learn More
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|
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trbf15 | Nov 4, 2020 Transfer cds to checking. Trustmark Madison ok, Not, 6 figures deposit lost for 6 days they say due to scanner error. Then when we go to branch office mgr. all huffy tht error upset because of their mist... Read More |
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0.40% |
$10,000 |
- |
Learn More
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0.40% |
$10,000 |
- |
Learn More
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0.40% |
$10,000 |
- |
Learn More
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0.40% |
$10,000 |
- |
Learn More
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0.40% |
$10,000 |
- |
Learn More
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0.40% |
$500 |
- |
Learn More
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0.40% |
$100,000 |
- |
Learn More
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0.38% |
$10,000 |
- |
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0.36% |
$100,000 |
- |
Learn More
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0.35% |
$100,000 |
- |
Learn More
|
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|
Asj | Nov 15, 2020 Do they? Read More |
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0.35% |
$1,000 |
- |
Learn More
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0.35% |
$10,000 |
- |
Learn More
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0.35% |
$10,000 |
- |
Learn More
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Asj | Nov 15, 2020 Do they? Read More |
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0.35% |
$500 |
- |
Learn More
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0.33% |
$1,000 |
- |
Learn More
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thedon | Mar 29, 2020 have been waiting 8 weeks - yes 8 weeks for a closing date from this bank ..... they keep giving flimsy excuses requesting insignificant and unnecessary paperwork from us ( the seller ) the buyers who know... Read More |
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0.30% |
$1,000 |
- |
Learn More
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0.30% |
$10,000 |
- |
Learn More
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0.26% |
$100,000 |
- |
Learn More
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0.26% |
$10,000 |
- |
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0.25% |
$10,000 |
- |
Learn More
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0.25% |
$10,000 |
- |
Learn More
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0.25% |
$10,000 |
- |
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Jason Wach | Aug 22, 2019 Despite a perfect payment record of their Line of Credit during Four Years, Seacoast Bank arbitrarily sent a demand letter threatening legal action if I do not pay $ 39,000 immediately. The only option off... Read More |
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0.25% |
$10,000 |
- |
Learn More
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0.25% |
$10,000 |
- |
Learn More
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rand | Mar 25, 2019 CDs shown are not offered in Knoxville area Read More |
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|
0.23% |
$10,000 |
- |
Learn More
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0.20% |
$10,000 |
- |
Learn More
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Scrappy | Mar 10, 2021 HORRIBLE !!!! JUST RUN AS FAST AS YOU CAN AWAY FROM THIS BANK..Save yourself the hassle of dealing with them. Read More |
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|
0.20% |
$10,000 |
- |
Learn More
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COLETTE B | May 30, 2022 I HAVE TO AGREE WITH THE OTHER REVIEWERS. THIS BANK HAS THE WORST CUSTOMER SERVICE OF ALL TIME. I HAD NO CHOICE BUT TO GO HERE... IF THERE'S ANY WAY YOU CAN AVOID, IT IS HIGHLY RECOMMENDED. LET ME GIVE ... Read More |
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0.15% |
$1 |
- |
Learn More
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Cory,Baldwin | Oct 18, 2016 IF the Cd's our that high then way i'm i the last to find out what The apys are. Read More |
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0.15% |
$10,000 |
- |
Learn More
|
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0.15% |
$10,000 |
- |
Learn More
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Rate History: 3.51% → 1.00% → 3.51% → 1.00% → 0.15% |
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|
Turonemckinney17@gmail.com | May 19, 2018 Experience Read More |
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|
0.10% |
$500 |
- |
Learn More
|
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Ugg | Jun 12, 2023 US Bank reported me to dult Protective Services because my husband is 85 and I am63. He got sick and went into a nursing hime for 3 months. My husband always handled the financial affairs. I had to take ov... Read More |
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0.10% |
$1,000 |
- |
Learn More
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D R Lineberger | Dec 30, 2018 Garden14 Read More |
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0.10% |
$10,000 |
- |
Learn More
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0.10% |
$1,000 |
- |
Learn More
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0.10% |
$1,000 |
- |
Learn More
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|
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Rate History: 0.10% → 5.00% → 4.25% → 4.50% → 0.10% |
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|
0.10% |
$500 |
- |
Learn More
|
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Mark Fitzpatrick | Apr 4, 2016 I been with trustco for years and it is well run. They really are a home town bank. As a small business person i appreciate the business card stand they have in the branches for there customers. I was w... Read More |
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0.05% 0.01% |
$2,501 $2,500 |
- |
Learn More
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Rate History: 0.03% → 0.05% |
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0.05% |
$500 |
- |
Learn More
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MrBond | Feb 25, 2023 I have been working for this company more than 5 years. I would not recommend any investment with First Citizens Bank. They are the worst performer on the market based on the customer and employee reviews... Read More |
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0.05% |
$2,500 |
- |
Learn More
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Rate History: 0.02% → 0.05% |
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Seeko | Mar 28, 2023 On line banking gives a confirmation number when paying bills. But it doesn’t confirm that the bill will be paid only that they have the information. Ridiculous. Read More |
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0.03% |
$25,000 |
- |
Learn More
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GAM | May 18, 2019 Had checking and savings for years when living in Philly. Went into PNC 2.35 APY high yield savings. They have thus far maintained rate. Easy web site and great customer phone service. Still maintain check... Read More |
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0.03% |
$100,000 |
- |
Learn More
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Treasure | Jul 24, 2023 BOFA is a den of people thieves camouflaged as bank operatives. There’s a soon to be uncovered carrel of money laundry there. They took all my money and don’t want to release it to me for no particular... Read More |
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0.01% |
$500 |
- |
Learn More
|
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|
Juan Ricardo | Nov 12, 2018 Helpful w/$ Read More |
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BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.
A three year CD is an intermediate CD, sandwiched between the popular one and five year CD terms. Three year CD generally offer between .30 and .60 percentage points more than a 1 year CD. Currently, their average yield is comparable to the average yield of an online savings account Online savings accounts allow consumers to withdraw money at any time so consumers should consider whether they want to lock their money into a CD when there is little premium versus an online account.
The top 3 year CD rates, as listed on the rate table above, are significantly higher than online or offline savings account rates.
Another factor to consider when opening a 3 year CD is the rate environment. If interest rates are rising, it may not be advisable to lock money away for three years when rates will soon be higher. If rates are falling, and may do so for some time (as they did from 2008 through 2013), then it may make sense to open a 3, 4 or 5 year CD to lock into a higher rate before it drops. To get a sense of where rates might go, check out the BestCashCow rate analysis page.
While conventional wisdom holds that online banks always offer higher rates than branch-based banks, an analysis conducted by BestCashCow in 2012 showed that with longer term CDs (3 years or longer), small community based banks and credit unions can often be just as competitive or not more so. If you prefer to bank in person, then it is possible to get branch service and a high CD rate if you shop around a bit. The tables at the top of this page can provide you the best rates in your area.
All banks listed on BestCashCow are FDIC insured; BestCashCow.com strongly recommends that you stay within FDIC insurance limits and that if you are unsure of how the limits affect you, please visit the FDIC website.
To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.
Find out how much extra money you can earn by moving your bank money into an account that pays more.
Use or Change these Amounts And Rates