Best CD Rates in Orlando
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 Orlando
Last verified: September 16, 2026
| Institution | Account | Term | APY | Minimum | Source |
|---|---|---|---|---|---|
| MIDFLORIDA Credit Union Eligible MIDFLORIDA Credit Union members | 36-Month CD Special CD | 36 months | 4.00% | $1,000 | Official rate |
| MIDFLORIDA Credit Union Eligible MIDFLORIDA Credit Union members | 60-Month CD Special CD | 60 months | 4.00% | $1,000 | Official rate |
| Addition Financial Credit Union Eligible Addition Financial Credit Union members | 60-Month Certificate CD | 60 months | 3.87% | $1,000 | Official rate |
| Addition Financial Credit Union Eligible Addition Financial Credit Union members | 48–59 Month Certificate CD | — | 3.82% | $1,000 | Official rate |
| McCoy Federal Credit Union Eligible McCoy Federal Credit Union members | 12-Month Share Certificate CD | 12 months | 3.76% | $1,000 | Official rate |
| MIDFLORIDA Credit Union Eligible MIDFLORIDA Credit Union members | 8-Month CD Special CD | 8 months | 3.75% | $1,000 | Official rate |
| MIDFLORIDA Credit Union Eligible MIDFLORIDA Credit Union members | 14-Month CD Special CD | 14 months | 3.75% | $1,000 | Official rate |
| Addition Financial Credit Union Addition Financial members | 36–47 Month Certificate CD | — | 3.71% | $1,000 | Official rate |
| Addition Financial Credit Union Addition Financial members | 24–35 Month Certificate CD | — | 3.66% | $1,000 | Official rate |
| FAIRWINDS Credit Union Eligible FAIRWINDS members | 6-Month Standard CD CD | 6 months | 3.65% | $1,000 | Official rate |
| McCoy Federal Credit Union Eligible McCoy Federal Credit Union members | 24-Month Share Certificate CD | 24 months | 3.56% | $1,000 | Official rate |
| Addition Financial Credit Union Addition Financial members | 12–23 Month Certificate CD | — | 3.51% | $1,000 | Official rate |
| McCoy Federal Credit Union Eligible McCoy Federal Credit Union members | 36-Month Share Certificate CD | 36 months | 3.45% | $1,000 | Official rate |
| Addition Financial Credit Union Addition Financial members | 6–11 Month Certificate CD | — | 3.45% | $1,000 | Official rate |
| McCoy Federal Credit Union Eligible McCoy Federal Credit Union members | 60-Month Share Certificate CD | 60 months | 2.89% | $1,000 | 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.