Updated July 2026

Best CD Rates in Jacksonville, Florida

The top CD and money market rates available to Jacksonville residents right now — with exact institutions, current APYs, and how to open an account.

Top Rate Available

4.30%

vs. 0.55% national avg

Top Local CD

4.00%

Community First CU · 13 mo ($45K+)

Top Online Rate

4.30%

Raisin — open to FL residents

National Average

0.55%

What most banks are paying

⚠️

Rate Alert: Jacksonville residents can earn up to 4.30% right now — nearly 8x the national average of 0.55%. Florida has no state income tax, so the full yield stays with you. Rates change frequently — always confirm directly with the institution before opening.

Certificate of Deposit

Best CD Rates — Jacksonville, FL

Institution	APY	Term	Min. Deposit	Insured By	Standing
Raisin (Online)	4.30%	12 months	$1	FDIC/NCUA	Top Pick
Community First Credit Union	4.00%	13 months	$45,000	NCUA	Top Local (Jumbo)
Community First Credit Union	3.75%	13 months	$500	NCUA	Top Local (Standard)
Radiant Credit Union	3.93%	24 months	$500	NCUA	Competitive
Marcus by Goldman Sachs	3.90%	12 months	$500	FDIC	Strong Rate
National Average	0.55%	12 months	Varies	—	Benchmark

💡 Pro Tip — Jacksonville Residents

Community First Credit Union is Jacksonville’s best-known local option. Their featured 13-month CD pays 3.75% with just $500 — solid for a local institution. But if you have $45K+, it bumps to 4.00%. Either way, Raisin online at 4.30% still wins on rate with no meaningful minimum. Community First is worth it if you value a local branch relationship alongside competitive returns.

Money Market & High-Yield Savings

Best Savings Rates — Jacksonville, FL

Institution	APY	Min. Balance	Type	Standing
Raisin (Online)	4.30%	$1	Money Market	Top Pick
Marcus by Goldman Sachs	3.90%	$0	High-Yield Savings	Strong
National Average	0.46%	Varies	Savings	Benchmark

For Jacksonville-Area Banks & Credit Unions

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Rates sourced from institution websites and aggregators. Data as of July 2026. Rates are subject to change without notice. The Rate Desk is not a bank or financial advisor. Always verify current rates directly with the institution before opening an account. We may earn a referral fee when you open an account through our links.