The best Florida CD rates lost ground to the best national CD rates.  The best six month CD rate in Florida has dropped noticeably down to 2.35%.  This rate is being offered by AmTrust Bank on their six month CD.  While the best six month CD rates in Florida declined, the best CD rates nationally inched up slightly.  Amtrust now has the only six month CD in Florida that exceeds the best national rate of 2.32%.  The next spot remains tight with the six month CD of Atlantic Southern Bank promoting an interest rate of 2.30%.  Peoples National Bank follows with an eight month CD that yields 2.25%.  Urban Trust Bank’s six month CD is ten basis points behind this figure with a rate of 2.15%.

The best one year CD rate has also dropped down measurably and now falls short of the best national rate offered by GMAC Bank at 2.80%.  The highest one year CD rate in Florida is a product of Urban Trust Bank and has a rate of 2.75%.  Only one basis point back is the one year CD offered by Century Bank at 2.74%.  Third position on the list is unaltered with the 13 month CD of Beach Community Bank that has an interest rate of 2.65%.  Two banks share the next highest rate at 2.55%.  Intervest National Bank offers this rate on an 18 month CD while BankUnited has it on a one year term.

The best two year CD rate in Florida gained ground as Heritage Bank of Florida increased the rate on their two year CD to 3.05%.  This rate is now 15 basis points ahead of the best national two year CD rate.  Intervest National Bank moves into the second position with a 30 month CD that has rate of 2.90%.  Bay Cities Bank ties with Urban Trust Bank for the third spot after dropping the rate they offer on their two year CD to 2.85%.  Century Bank of Florida follows with a two year CD that ahs an interest rate of 2.81%.

The top five year CD rate remains at 4.50% with Urban Trust Bank certificate that crushes both state bank rates and the national rates.  The rate posted on the list this week is Urban Trust Bank’s four year CD that has a rate of 4.25% also well above the competition and the national rates.  The second spot is also unchanged with the five year CD offered by Fidelity Bank at 3.75%.  The third best five year CD rate matches the beat national rate as it’s the leader for the nationally available five year CDs.  Intervest National Bank has a five year CD that yields 3.66% for customers in all other states as well as consumers who either open the CD with one of their Florida bank branches or via the internet.

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