Best CD Rates in Miami
Locally available certificate rates verified directly from official institution websites.
Compare more than the APY
The highest number is useful, but eligibility, deposit minimums, and the maturity process matter too.
Confirm eligibility
Check membership, geographic, and new-money requirements before applying.
Check the minimum
A strong rate may require a larger opening balance than another offer.
Know the renewal window
Record the maturity date and grace period so the CD does not renew by surprise.
Current Rates in Miami
Last verified: September 16, 2026
| Institution | Account | Term | APY | Minimum | Source |
|---|---|---|---|---|---|
| Tropical Financial Credit Union Eligible Tropical Financial members in South Florida | 12-Month Certificate of Deposit CD | 12 months | 4.40% | $500 | Official rate |
| Dade County Federal Credit Union Eligible Dade County Federal Credit Union members | 12-Month Share Certificate Promotion CD | 12 months | 4.10% | $500 | Official rate |
| JetStream Federal Credit Union Eligible JetStream members | 6-Month Certificate CD | 6 months | 4.00% | $500 | Official rate |
| Power Financial Credit Union Eligible Power Financial members | 7-Month Certificate CD | 7 months | 3.76% | $2,500 | Official rate |
| Dade County Federal Credit Union Eligible Dade County Federal Credit Union members | 18-Month Share Certificate CD | 18 months | 3.07% | $500 | Official rate |
| Dade County Federal Credit Union Eligible Dade County Federal Credit Union members | 12-Month Share Certificate CD | 12 months | 2.92% | $500 | Official rate |
| Dade County Federal Credit Union Eligible Dade County Federal Credit Union members | 60-Month Share Certificate CD | 60 months | 2.55% | $500 | Official rate |
| Dade County Federal Credit Union Eligible Dade County Federal Credit Union members | 6-Month Share Certificate CD | 6 months | 1.91% | $500 | Official rate |
Rates may change without notice. Confirm all terms and eligibility directly with the financial institution.
Verified from official sources
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Rates may change without notice. Confirm all terms, eligibility, early-withdrawal penalties, and renewal policies directly with the institution before opening an account.