In this guide, we’ll compare the best fixed annuity rates with the best CD rates in Florida.
Earn The Highest Interest Rates On Savings Today
Fixed annuities are almost identical to Certificates of Deposit (CDs) accounts and provide higher interest rates and penalty-free withdrawals for income. Why settle for less than 1% on your money when you can earn 3% and liquidity?
Term | Insurance Company | Interest Rate |
---|---|---|
24 Months | Oceanview | 3.50% |
36 Months | Canvas Annuity | 4.30% |
48 Months | Oceanview | 4.10% |
60 Months | Americo | 4.20% |
72 Months | Americo | 4.30% |
Disclaimer: This is a review. The Annuity Expert is not associated with a bank or credit union. However, fixed annuities are sold at most financial institutions. Our goal is to help you find the highest interest rates for your retirement savings.
Best 2 Year CD Rates and fixed annuity rates – local
Rate Type | Company | Rate (APY) | Minimum |
---|---|---|---|
2-Year CD Rate | Miami Federal Credit Union | 0.60% | $200.00 |
2-Year Fixed Annuity Rate | Oceanview Fixed Annuity | 2.80% | $80,000.00 |
Best 3 year cd rates and fixed annuity rates – local
Rate Type | Company | Rate (APY) | Minimum |
---|---|---|---|
3-Year CD Rate | Miami Federal Credit Union | 0.65% | $200.00 |
3-Year Fixed Annuity Rate | Canvas Future Fund | 4.30% | $2,500.00 |
Best 5 Year CD Rates and Fixed Annuity Rates – Local
Rate Type | Company | Rate (APY) | Minimum |
---|---|---|---|
5-Year CD Rate | Miami Federal Credit Union | 0.70% | $200.00 |
5-Year Fixed Annuity Rate | Canvas Annuity | 4.30% | $2,500.00 |
Popular Bank Rate Searches
Best CD Rates in Florida
3 Month CD Rates
The following banks and credit unions have the highest CD rates for 3 months.
Best 3-Month CD Rates | Rate | Term | Minimum |
---|---|---|---|
Spectrum Federal Credit Union | 0.75% APY | 3 Months | $500.00 |
Navy Federal Credit Union | 0.40% APY | 3 Months | $1,000.00 |
Chevron Federal Credit Union | 0.75% APY | 3 Months | $500.00 |
Popular Direct | 0.50% APY | 3 Months | $10,000.00 |
Bethpage Federal Credit Union | 0.40% APY | 3 Months | $50.00 |
SchoolsFirst Federal Credit Union | 0.40% APY | 3 Months | $20,000.00 |
Consumers Credit Union | 0.35% APY | 3 Months | $250.00 |
Synchrony Bank | 0.50% APY | 3 Months | $0 |
Luana Savings Bank | 0.80% APY | 3 Months | |
TotalDirect Bank | 0.65% APY | 3 Months | $25,000.00 |
TIAA Bank | 0.35% APY | 3 Months | $1,000.00 |
6 Month CD Rates
Best 6-Month CD Rates | Rate | Term | Minimum |
---|---|---|---|
CommunityWide FCU | 1.00% APY | 6 Months | $1.000.00 |
Limelight Bank | 1.25% APY | 6 Months | $1,000.00 |
Live Oak Bank | 1.10% APY | 6 Months | $2,500.00 |
BMO Harris | 1.10% APY | 6 Months | $1,000.00 |
Quontic Bank | 1.26% APY | 6 Months | $500.00 |
Merrick Bank | 1.35% APY | 6 Months | $25,000.00 |
PenFed Credit Union | 0.75% APY | 6 Months | $1,000.00 |
NASA Federal Credit Union | 1.60% APY | 6 Months | $10,000.00 |
TAB Bank | 1.55% APY | 6 Months | $1,000.00 |
Synchrony Bank | 0.75% APY | 6 Months | $0.01 |
Consumers Credit Union | 0.50% APY | 6 Months | $250.00 |
1 Year CD Rates
The following banks and credit unions have the highest CD rates for 12 months.
Best 12-Month CD Rates | Rate | Term | Minimum |
---|---|---|---|
CommunityWide FCU | 1.25% APY | 12 Months | $1,000.00 |
Limelight Bank | 1.80% APY | 12 Months | $1,000.00 |
Bread Savings | 2.00% APY | 12 Months | $1,500.00 |
Popular Direct | 1.85% APY | 12 Months | $10,000.00 |
Connexus Credit Union | 2.26% APY | 12 Months | $5,000.00 |
State Bank of Texas | 2.10% APY | 12 Months | $25,000.00 |
Quontic Bank | 2.01% APY | 12 Months | $500.00 |
First National Bank of America | 1.76% APY | 12 Months | $1,000.00 |
PenFed Credit Union | 1.75% APY | 12 Months | $1,000.00 |
Capital One | 1.50% APY | 12 Months | $0 |
Marcus by Goldman Sachs | 1.40% APY | 12 Months | $500.00 |
Discover | 1.50% APY | 12 Months | $2,500.00 |
Sallie Mae Bank | 1.30% APY | 12 Months | $2,500.00 |
Bethpage Federal Credit Union | 1.30% APY | 12 Months | $50.00 |
2 Year CD Rates
The following banks and credit unions have the highest CD rates for 24 months.
Best 2-Year CD Rates | Rate | Term | Minimum |
---|---|---|---|
Popular Direct | 2.30% APY | 24 Months | $10,000.00 |
Bread Savings | 2.50% APY | 24 Months | $1,500.00 |
Pentagon Federal Credit Union | 2.30% APY | 24 Months | $1,000.00 |
Connexus Credit Union | 2.86% APY | 24 Months | $5,000.00 |
Merrick Bank | 2.65% APY | 24 Months | $25,000.00 |
Quontic Bank | 2.51% APY | 24 Months | $500.00 |
Synchrony Bank | 1.90% APY | 24 Months | $0.01.00 |
First National Bank of America | 2.25% APY | 24 Months | $1,000.00 |
CommunityWide FCU | 1.70% APY | 24 Months | $1,000.00 |
3 Year CD Rates
The following banks and credit unions have the highest CD rates for 3 years.
Best 3-Year CD Rates | Rate | Term | Minimum |
---|---|---|---|
Popular Direct | 2.75% APY | 36 Months | $10,000.00 |
Quontic Bank | 2.81% APY | 36 Months | $500.00 |
Bread Savings | 2.75% APY | 36 Months | $1,500.00 |
Pentagon Federal Credit Union | 2.60% APY | 36 Months | $1,000.00 |
USAlliance Financial Credit Union | 3.25% APY | 36 Months | $500.00 |
Connexus Credit Union | 3.01% APY | 36 Months | $5,000.00 |
Merrick Bank | 2.85% APY | 36 Months | $25,000.00 |
Synchrony Bank | 2.30% APY | 36 Months | $0.01% |
First National Bank of America | 2.35% APY | 36 Months | $1,000.00 |
Capital One | 2.30% APY | 36 Months | $0 |
Marcus by Goldman Sachs | 2.30% APY | 36 Months | $500.00 |
Discover | 2.20% APY | 36 Months | $2,500.00 |
Bank5 Connect | 0.85% APY | 36 Months | $500.00 |
4 Year CD Rates
The following banks and credit unions have the highest CD rates for 4 years.
Best 4-Year CD Rates | Rate | Term | Minimum |
---|---|---|---|
Connexus Credit Union | 3.11% APY | 48 Months | $5,000.00 |
Merrick Bank | 2.90% APY | 48 Months | $25,000.00 |
BMO Harris | 2.55% APY | 48 Months | $1,000.00 |
MYSB Direct | 2.80% APY | 48 Months | $500,00 |
Popular Direct | 2.80% APY | 48 Months | $10,000.00 |
Bread Savings | 2.80% APY | 48 Months | $1,500.00 |
PenFed Credit Union | 2.60% APY | 48 Months | $1,000.00 |
Synchrony Bank | 2.30% APY | 48 Months | $0.01 |
First National Bank of America | 2.55% APY | 48 Months | $1,000.00 |
CommunityWide FCU | 1.90% APY | 48 Months | $1,000.00 |
5 Year CD Rates
The following banks and credit unions have the highest CD rates for 5 years.
Best 5-Year CD Rates | Rate | Term | Minimum |
---|---|---|---|
Bread Savings | 2.85% APY | 60 Months | $1,500.00 |
Alliant Credit Union | 2.80% APY | 60 Months | $1,00.00 |
Connexus Credit Union | 3.21% APY | 60 Months | $5,000.00 |
Popular Direct | 2.85% APY | 60 Months | $10,000.00 |
Merrick Bank | 3.00% APY | 60 Months | $25,000.00 |
Quontic Bank | 2.85% APY | 60 Months | $500.00 |
PenFed Credit Union | 2.85% APY | 60 Months | $1,000.00 |
First National Bank of America | 2.80% APY | 60 Months | $1,000.00 |
Capital One | 2.60% APY | 60 Months | $0 |
Marcus by Goldman Sachs | 2.60% APY | 60 Months | $500.00 |
Discover | 2.75% APY | 60 Months | 2.75% |
Best Fixed Annuity Rates in Florida
For More Rates, check out our National CD and Annuity Rate Guide.
Find CD Rates and Fixed Annuity Rates By State
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