Best CD Rates in Jacksonville, Florida
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Best 6-CD Rates in Jacksonville, Florida

Bank or Credit Union Name: Western Alliance Bank
Minimum Amount: $1.00
APY / Rate: 5.20%
Pros:
- High interest rates: Western Alliance Bank typically offers some of the highest interest rates on CDs in the market.
- FDIC insured: Western Alliance Bank is FDIC insured, so your money is safe up to $250,000.
- No monthly fees: There are no monthly fees for any of Western Alliance Bank’s CDs.
- Easy to open: You can open a CD with Western Alliance Bank online or by phone.
- Different customer service options available.
- Direct deposit: If you set up direct deposit for your paycheck or other regular income, you’ll earn a higher interest rate on your CD.
Rules:
- Minimum deposit: The minimum deposit to open a CD with Western Alliance Bank varies by term.
- Early withdrawal penalties: There is an early withdrawal penalty if you withdraw money from your CD before the maturity date. The penalty is equal to 3 months’ interest on the amount withdrawn.
- Flexible terms: Western Alliance Bank offers CDs with terms ranging from 3 months to 5 years, so you can choose the term that best fits your needs.

Bank or Credit Union Name: OceanFirst Bank
Minimum Amount: $10.000
APY / Rate: 5.15% APY
Pros:
- High interest rates: OceanFirst Bank’s CD rates are competitive with other banks. For example, the bank’s 13-month CD currently offers a promotional rate of 5.15% APY, which is higher than the national average for 1-year CDs.
- FDIC coverage: FDIC insurance covers up to $250,000 per depositor per FDIC-insured bank.
- Easy online access: OceanFirst Bank’s online banking platform is easy to use and provides customers with 24/7 access to their accounts.
- The bank has a customer satisfaction rating of 4.3 out of 5 stars on Bankrate.com.
Rules:
- Minimum deposit: The minimum deposit for a CD at OceanFirst Bank is $10,000.
- Flexible terms: OceanFirst Bank offers CDs with a variety of terms, so you can choose one that fits your needs. Terms range from 6 months to 7 years.
- CD is automatically renewed for a 6-month term. The renewal rate is determined based on the published rate for the CD, excluding CD specials
- You must maintain the minimum balance requirement for the CD term in order to earn the advertised interest rate.
- If you withdraw funds from your CD before the maturity date, you may be subject to an early withdrawal penalty.
- Fees: There are no fees to open or maintain a CD at OceanFirst Bank. However, fees may reduce earnings.

Bank or Credit Union Name: Mission Valley Bank
Minimum Amount: $500
APY / Rate: 4.75% APY
Pros:
- High APYs: Valley Bank’s CD rates are currently some of the highest on the market. For example, the 12-month CD currently has an APY of 5.00%.
- FDIC insured: Your deposits are FDIC insured up to $250,000 per depositor, for each account ownership category.
- No monthly fees: There are no monthly fees for maintaining a CD account with Valley Bank.
- Easy to open: You can open a CD account online or in a branch.
Rules:
- Minimum deposit: The minimum deposit to open a CD account at Valley Bank is $500.
- Term length: CD terms range from 6 months to 60 months.
- Early withdrawal penalties: There are early withdrawal penalties if you withdraw your funds before the maturity date. The penalty amount depends on the term of the CD.
- Easy to open: If you’re opening a CD online, you can deposit up to $500,000 into your account.
- You can withdraw money before the term is up, but may have to pay a early withdrawal fee.
Best 12-Month CD Rates in Jacksonville, Florida

Bank or Credit Union Name: Bread Savings
Minimum Amount: $1500
APY / Rate: 5.35%
Pros:
- High APYs: Bread Savings offers competitive APYs on both its savings accounts and CDs.
- FDIC insured: Bread Savings is FDIC insured, so your deposits are protected up to $250,000.
- Minimal fees: Bread Savings has no monthly maintenance fees for either its savings accounts or CDs. There are also no fees for ACH transfers, online statements, or incoming wire transfers.
- Easy to use: Bread Savings’ website and mobile app are easy to use. You can easily open an account, deposit money, and transfer funds.
Rules:
- High APYs: Bread Savings offers competitive APYs on both its savings accounts and CDs. The current APY for the high-yield savings account is 4.90%, and the APY for CDs ranges from 5.35% to 4.35%.
- Minimum deposit: Maximum deposit limit of $1 million per account and $10 million limit per customer
- Term lengths: Bread Savings offers CDs with term lengths of 6 months, 1 year, 2 years, 3 years, 5 years, and 7 years.
- Early withdrawal penalties: There are early withdrawal penalties for CDs at Bread Savings.

Bank or Credit Union Name: Quontic Bank
Minimum Amount: $500
APY / Rate: 5.30% APY
Pros:
- High interest rates: Quontic Bank’s CDs offer some of the highest interest rates on the market. As of July 2023, Quontic Bank’s 1-year CD offers an APY of 5.30%, which is significantly higher than the national average of 1.59%.
- Flexible terms: Quontic Bank offers CDs with a variety of terms, so you can choose one that fits your needs. You can choose from terms of 6 months, 1 year, 2 years, 3 years, or 5 years.
- FDIC insured: Quontic Bank is FDIC insured, so your deposits are protected up to $250,000.
- Easy to open online: You can open a CD with Quontic Bank online in just a few minutes. This makes it a convenient option for people who want to open a CD without having to go to a bank branch.
Rules:
- Minimum deposit: The minimum deposit to open a CD with Quontic Bank is $500.
- Term length: CD terms range from 6 months to 5 years.
- No minimum balance requirement: Quontic Bank’s CDs have no minimum balance requirement, so you can start saving with as little as $500.
- Early withdrawal penalties: There is an early withdrawal penalty if you withdraw money from your CD before the maturity date. The penalty is equal to 3 months’ interest on the amount withdrawn.
- Quontic Bank offers online CD openings.

Bank or Credit Union Name: Community First Credit Union
Minimum Amount: $500
APY / Rate: 4.29% APY
Pros:
- High interest rates: Community First Credit Union’s CD rates are competitive with other credit unions and banks. As of July 2023, the highest APY for a 1-year CD is 4.29%, and the highest APY for a 5-year CD is 4.09%.
- Flexible terms: Community First Credit Union offers CDs with terms ranging from 3 months to 5 years. This gives you the flexibility to choose a term that fits your financial goals.
- Easy access to your money: You can access your CD funds through ATMs, online banking, or by writing a check. This makes it easy to use your money when you need it.
- Community First Credit Union are federally insured by the National Credit Union Share Insurance Fund.
Rules:
- Minimum deposit: The minimum deposit required to open a CD with Community First Credit Union varies depending on the term of the CD. The minimum deposit for a CD is $500.
- Early withdrawal penalties: A loss of 31 days dividends if the certificate term is between 3 and 5 months; a loss of 90 days dividends if the certificate term is 4 months through 12 months; a loss of 180 days dividends if the certificate term is 13 months or greater.
- Renewal Policies : All certificates will automatically renew at maturity. You will have a grace period of 14 calendar days after the maturity date to withdraw the funds in the certificate account without being charged an early withdrawal penalty as described above.

Bank or Credit Union Name: VyStar Credit Union
Minimum Amount: $500
APY / Rate: 3.00%
Pros:
- Competitive interest rates: VyStar offers competitive interest rates on CDs, which means you can earn more money on your savings.
- Flexible terms: VyStar offers CDs with a variety of terms, so you can choose one that fits your needs.
- Easy to open: You can open a CD account online or at any VyStar branch.
- No monthly fees: VyStar doesn’t charge a monthly service fee on the savings account.
- Member accounts in VyStar Credit Union are federally insured by the National Credit Union Share Insurance Fund.
Rules:
- Minimum deposit: VyStar CD require a minimum deposit of $500 to open an account.
- Term length: The term length of a CD can range from 3 months to 5 years.
- Early withdrawal penalty: If you withdraw your money from a CD before the term is up, you may be subject to an early withdrawal penalty.
- No monthly fees: VyStar doesn’t charge any monthly fees for CD accounts.
- Renewal Policies – Your certificate will automatically renew at maturity. The VyStar Pace, Kid’s Account, 10 Month and 13 Month Certificates will automatically renew to the advertised 12 Month rate and term at maturity. The 23 Month Certificate will automatically renew to the advertised 24 Month rate and term at maturity. You will have a grace period of 14 calendar days after the maturity date to withdraw the funds in the certificate account without being charged an early withdrawal penalty as described above.
Best 24-Month CD Rates in Jacksonville, Florida

Bank or Credit Union Name: Bread Savings
Minimum Amount: $1500
APY / Rate: 5.00% APY
Pros:
- High APYs: Bread Savings offers competitive APYs on both its savings accounts and CDs. The current APY for the high-yield savings account is 4.90%, and the APY for CDs ranges from 5.00% to 4.35%.
- FDIC insured: Bread Savings is FDIC insured, so your deposits are protected up to $250,000.
- Minimal fees: Bread Savings has no monthly maintenance fees for either its savings accounts or CDs. There are also no fees for ACH transfers, online statements, or incoming wire transfers.
- Easy to use: Bread Savings’ website and mobile app are easy to use. You can easily open an account, deposit money, and transfer funds.
Rules:
- Minimum deposit: The minimum deposit to open a CD is $1500.
- APY: APYs vary depending on the term length. For example, the APY for a 12-month CD is 5.00%, while the APY for a 60-month CD is 4.35%.
- Deposit Amount : Maximum deposit limit of $1 million per account and $10 million limit per customer
- Term lengths: CD terms range from 12 months to 60 months.
- Early withdrawal penalties: There are early withdrawal penalties for CDs at Bread Savings.
- CD is automatically renewed for a 1,2, and 3 year Certificate of Deposit (CD).

Bank or Credit Union Name: Idabel National Bank
Minimum Amount: $1.00
APY / Rate: 4.85% APY
Pros:
- High interest rates. Idabel National Bank’s CDs offer some of the highest interest rates in the market. For example, their 24-month CD currently has an APY of 4.85%, which is significantly higher than the national average.
- FDIC insured. All CDs at Idabel National Bank are FDIC insured, up to $250,000 per depositor.
- Access: You can access your CD funds through online banking, ATMs, or by writing a check.
- Convenience: One account to hold all your deposit products. Simplified statements. Easy access to manage your funds – all through a streamlined digital platform.
Rules:
- Minimum Opening Deposit: The minimum deposit for a CD at Idabel National Bank is $1.00
- Term length. CD terms range from 30 days to 5 years.
- Interest compounding: Interest on CDs at Idabel National Bank compounds monthly.
- Early withdrawal penalties: There is a 1-month’s interest penalty for early withdrawals from CDs at Idabel National Bank.
- At maturity, your CD will automatically renew and earn the base interest rate.

Bank or Credit Union Name: Discover Bank
Minimum Amount: $2500
APY / Rate: 4.75% APY on 18-month term.
Pros:
- Competitive interest rates: Discover Bank CDs offer competitive interest rates compared to other banks. For example, as of July 2023, Discover Bank’s 1-year CD has an APY of 4.85%, while the national average APY for a 1-year CD is 2.50%.
- No monthly fees: Discover Bank CDs do not have any monthly fees.
- FDIC insured: Discover Bank is FDIC insured, so your money is protected up to $250,000.
- Easy to open: You can open a Discover CD online in just a few minutes. You’ll need to provide some basic information, such as your name, address, and Social Security number.
Rules:
- Minimum deposit: There’s a $2,500 minimum deposit requirement to open a CD with Discover.
- Flexible terms: Discover Bank offers 12 certificate of deposit (CD) terms, ranging from three months to 10 years.
- Early withdrawal penalty: The penalty for an early withdrawal depends on the length of the term of your CD. For terms of less than one year, the penalty is three months of simple interest. For terms between one and four years, the penalty is six months of simple interest.
- Rollover: You can roll over your Discover CD to a new term without penalty.

Bank or Credit Union Name: First Florida Credit Union
Minimum Amount: $100
APY / Rate: 2.80%
Pros:
- Competitive interest rates: First Florida Credit Union offers competitive interest rates on its savings products, such as certificates of deposit (CDs). For example, the current APY for a 1-year CD is 2.70%.
- Federally insured to at least $250,000 (IRA accounts insured separately up to $250,000) by NCUA,
- Convenient access: First Florida Credit Union has branches and ATMs throughout Florida, as well as access to a nationwide network of surcharge-free ATMs.
- Interest is compounded and paid monthly on all terms.
Rules:
- Minimum deposit: The minimum deposit required to open a CD at First Florida Credit Union varies depending on the term of the CD. For example, the minimum deposit for a 1-year CD is $500, while the minimum deposit for a 5-year CD is $1,000.
- Early withdrawal penalties: There are early withdrawal penalties for CDs at First Florida Credit Union. The penalty amount is based on the term of the CD and the amount of money withdrawn early.
- Term lengths: First Florida Credit Union offers CDs with term lengths of 3 months, 1 year, 2 years, 3 years, and 5 years.
Best 36-Month CD Rates in Jacksonville, Florida

Bank or Credit Union Name: Bread Savings
Minimum Amount: $1500
APY / Rate: 4.75%
Pros:
- High APYs: Bread Savings offers competitive APYs on both its savings accounts and CDs. The current APY for the high-yield savings account is 4.90%, and the APY for CDs ranges from 5.00% to 4.35%.
- FDIC insured: Bread Savings is FDIC insured, so your deposits are protected up to $250,000.
- Minimal fees: Bread Savings has no monthly maintenance fees for either its savings accounts or CDs. There are also no fees for ACH transfers, online statements, or incoming wire transfers.
- Easy to use: Bread Savings’ website and mobile app are easy to use. You can easily open an account, deposit money, and transfer funds.
Rules:
- Minimum deposit: The minimum deposit to open a CD is $1500.
- APY: APYs vary depending on the term length. For example, the APY for a 12-month CD is 5.00%, while the APY for a 60-month CD is 4.35%.
- Deposit Amount : Maximum deposit limit of $1 million per account and $10 million limit per customer
- Term lengths: CD terms range from 12 months to 60 months.
- Early withdrawal penalties: There are early withdrawal penalties for CDs at Bread Savings.
- CD is automatically renewed for a 1,2, and 3 year Certificate of Deposit (CD).

Bank or Credit Union Name: Quontic Bank
Minimum Amount: $500
APY / Rate: 4.40%
Pros:
- High interest rates: Quontic Bank’s CDs offer some of the highest interest rates on the market. As of July 2023, Quontic Bank’s 1-year CD offers an APY of 5.30%, which is significantly higher than the national average of 1.59%.
- Flexible terms: Quontic Bank offers CDs with a variety of terms, so you can choose one that fits your needs. You can choose from terms of 6 months, 1 year, 2 years, 3 years, or 5 years.
- FDIC insured: Quontic Bank is FDIC insured, so your deposits are protected up to $250,000.
- Easy to open online: You can open a CD with Quontic Bank online in just a few minutes. This makes it a convenient option for people who want to open a CD without having to go to a bank branch.
Rules:
- Minimum deposit: The minimum deposit to open a CD with Quontic Bank is $500.
- Term length: CD terms range from 6 months to 5 years.
- No minimum balance requirement: Quontic Bank’s CDs have no minimum balance requirement, so you can start saving with as little as $500.
- Early withdrawal penalties: There is an early withdrawal penalty if you withdraw money from your CD before the maturity date. The penalty is equal to 3 months’ interest on the amount withdrawn.
- Quontic Bank offers online CD openings.

Bank or Credit Union Name: Discover Bank
Minimum Amount: $2500
APY / Rate: 4.30% APY
Pros:
- Competitive interest rates: Discover Bank CDs offer competitive interest rates compared to other banks. For example, as of July 2023, Discover Bank’s 1-year CD has an APY of 4.85%, while the national average APY for a 1-year CD is 2.50%.
- No monthly fees: Discover Bank CDs do not have any monthly fees.
- FDIC insured: Discover Bank is FDIC insured, so your money is protected up to $250,000.
- Easy to open: You can open a Discover CD online in just a few minutes. You’ll need to provide some basic information, such as your name, address, and Social Security number.
Rules:
- Minimum deposit: There’s a $2,500 minimum deposit requirement to open a CD with Discover.
- Flexible terms: Discover Bank offers 12 certificate of deposit (CD) terms, ranging from three months to 10 years.
- Early withdrawal penalty: The penalty for an early withdrawal depends on the length of the term of your CD. For terms of less than one year, the penalty is three months of simple interest. For terms between one and four years, the penalty is six months of simple interest.

Bank or Credit Union Name: Coastline Federal Credit Union
Minimum Amount: $1000
APY / Rate: 3.75%
Pros:
- High interest rates: Coastline Federal Credit Union offers competitive interest rates on CDs. As of July 2023, their rates range from 2.35% APY for a 1-year CD to 3.90% APY for a 5-year CD.
- Insured by NCUA
- Easy to open: You can open a CD with Coastline Federal Credit Union online or at any of their branches.
- Convenient access: You can access your CD funds through ATMs, online banking, or by phone.
- Mortgages: Coastline offers a variety of mortgage products, including fixed-rate mortgages, adjustable-rate mortgages, and jumbo loans.
- Visa credit cards: Coastline offers a variety of Visa credit cards with competitive interest rates and rewards programs.
Rules:
- Minimum deposit: The minimum deposit for a CD with Coastline Federal Credit Union is $1,000.
- Term length: CD terms range from 3 month to 60 months.
- Early withdrawal penalty: The penalty for an early withdrawal depends on the length of the term of your CD.
Best 60-Month CD Rates in Jacksonville, Florida

Bank or Credit Union Name: Bread Savings
Minimum Amount: $1500
APY / Rate: 4.35%
Pros:
- High APYs: Bread Savings offers competitive APYs on both its savings accounts and CDs. The current APY for the high-yield savings account is 4.90%, and the APY for CDs ranges from 5.00% to 4.35%.
- FDIC insured: Bread Savings is FDIC insured, so your deposits are protected up to $250,000.
- Minimal fees: Bread Savings has no monthly maintenance fees for either its savings accounts or CDs. There are also no fees for ACH transfers, online statements, or incoming wire transfers.
- Easy to use: Bread Savings’ website and mobile app are easy to use. You can easily open an account, deposit money, and transfer funds.
Rules:
- Minimum deposit: The minimum deposit to open a CD is $1500.
- APY: APYs vary depending on the term length. For example, the APY for a 12-month CD is 5.00%, while the APY for a 60-month CD is 4.35%.
- Deposit Amount : Maximum deposit limit of $1 million per account and $10 million limit per customer
- Term lengths: CD terms range from 12 months to 60 months.
- Early withdrawal penalties: There are early withdrawal penalties for CDs at Bread Savings.
- CD is automatically renewed for a 1,2, and 3 year Certificate of Deposit (CD).

Bank or Credit Union Name: Quontic Bank
Minimum Amount: $500
APY / Rate: 4.30% APY
Pros:
- High interest rates: Quontic Bank’s CDs offer some of the highest interest rates on the market. As of July 2023, Quontic Bank’s 1-year CD offers an APY of 5.30%, which is significantly higher than the national average of 1.59%.
- Flexible terms: Quontic Bank offers CDs with a variety of terms, so you can choose one that fits your needs. You can choose from terms of 6 months, 1 year, 2 years, 3 years, or 5 years.
- FDIC insured: Quontic Bank is FDIC insured, so your deposits are protected up to $250,000.
- Easy to open online: You can open a CD with Quontic Bank online in just a few minutes. This makes it a convenient option for people who want to open a CD without having to go to a bank branch.
Rules:
- Minimum deposit: The minimum deposit to open a CD with Quontic Bank is $500.
- Term length: CD terms range from 6 months to 5 years.
- No minimum balance requirement: Quontic Bank’s CDs have no minimum balance requirement, so you can start saving with as little as $500.
- Early withdrawal penalties: There is an early withdrawal penalty if you withdraw money from your CD before the maturity date. The penalty is equal to 3 months’ interest on the amount withdrawn.
- Quontic Bank offers online CD openings.

Bank or Credit Union Name: Community First Credit Union
Minimum Amount: $500
APY / Rate: 4.09% APY
Pros:
- High interest rates: Community First Credit Union’s CD rates are competitive with other credit unions and banks. As of July 2023, the highest APY for a 1-year CD is 4.29%, and the highest APY for a 5-year CD is 4.09%.
- Flexible terms: Community First Credit Union offers CDs with terms ranging from 3 months to 5 years. This gives you the flexibility to choose a term that fits your financial goals.
- Easy access to your money: You can access your CD funds through ATMs, online banking, or by writing a check. This makes it easy to use your money when you need it.
- Community First Credit Union are federally insured by the National Credit Union Share Insurance Fund.
Rules:
- Minimum deposit: The minimum deposit required to open a CD with Community First Credit Union varies depending on the term of the CD. The minimum deposit for a CD is $500.
- Early withdrawal penalties: A loss of 31 days dividends if the certificate term is between 3 and 5 months; a loss of 90 days dividends if the certificate term is 4 months through 12 months; a loss of 180 days dividends if the certificate term is 13 months or greater.
- Renewal Policies : All certificates will automatically renew at maturity. You will have a grace period of 14 calendar days after the maturity date to withdraw the funds in the certificate account without being charged an early withdrawal penalty as described above.

Bank or Credit Union Name: VyStar Credit Union
Minimum Amount: $500
APY / Rate: 3.50%
Pros:
- Competitive interest rates: VyStar offers competitive interest rates on CDs, which means you can earn more money on your savings.
- Flexible terms: VyStar offers CDs with a variety of terms, so you can choose one that fits your needs.
- Easy to open: You can open a CD account online or at any VyStar branch.
- No monthly fees: VyStar doesn’t charge a monthly service fee on the savings account.
- Member accounts in VyStar Credit Union are federally insured by the National Credit Union Share Insurance Fund.
Rules:
- Minimum deposit: VyStar CD require a minimum deposit of $500 to open an account.
- Term length: The term length of a CD can range from 3 months to 5 years.
- Early withdrawal penalty: If you withdraw your money from a CD before the term is up, you may be subject to an early withdrawal penalty.
- No monthly fees: VyStar doesn’t charge any monthly fees for CD accounts.
- Renewal Policies – Your certificate will automatically renew at maturity. The VyStar Pace, Kid’s Account, 10 Month and 13 Month Certificates will automatically renew to the advertised 12 Month rate and term at maturity. The 23 Month Certificate will automatically renew to the advertised 24 Month rate and term at maturity. You will have a grace period of 14 calendar days after the maturity date to withdraw the funds in the certificate account without being charged an early withdrawal penalty as described above.