Florida reigns as the state with the highest CD rates.  In every category of CD maturities evaluated, bank CD rates in Florida outperform the best national rates.  In the six month CD rate category, four bank rates in Florida are above the rate for the highest national six month CD rate.  Atlantic Southern Bank continues this week to lead in the short term rates with a seven month CD that has an interest rate of 2.70%.  Peoples National Bank is a distant second but still offers a rate above the national rate with an eight month CD which yields 2.40%.  AmTrust Bank is five basis points further back with a six month CD that has an interest rate of 2.35%.  Bay Cities Bank and Century Bank are also on the list with six month CD rates of 2.27% and 2.25% respectively.

With a 13 month CD that yields 3.00%, Atlantic Southern Bank is the leader in the one year category.  ¼% behind this bank rate is the certificate of deposit promoted by Coastal Bank at 2.75%.  Urban Trust Bank will lead most other states with its one year CD with a rate of 2.72%.  Beach Community Bank and Bay Cities Bank follow with CD rates that are only three basis points apart at 2.65% and 2.62%.

The best two year CD rate in Florida dropped by five basis points but remains above the national rates at 3.00%.  Heritage Bank of Florida is the sponsor of this two year certificate.  Bay Cities Bank is but 4 basis points back, or 4/100 of a percent, with a two year CD rate of 2.96%.  Intervest National Bank is in third position with a two year CD that yields 2.90%.  Urban Trust Bank is the first bank on the two year CD rate list to fall below the best national rate.  Urban Trust Bank has a two year CD with an interest rate of 2.81%.

The best five year CD rate in Florida has also dropped a few basis points but remains at a surprisingly high 4.41%.  This CD is offered by Urban Trust Bank with a low minimum deposit of $500.00.  Fidelity Bank of Florida increased their five year CD rate to 3.75% to take second spot.  Not quite 5 basis points back is Florida Traditions Bank five year CD that earns a rate of 3.71%.  Intervest National Bank is present on the list as well with a five year CD rate set at 3.66%.  Two banks, Bay Cities Bank and Fidelity Bank, with CD rates of 3.50% round out the list.

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