For short term CD rates, Ocean Bank is posting the best CD rates in Florida.   Ocean Bank has a promotion running for a 7 month term CD with a rate of 4.40%.  On top of that rate, the bank also offers a 13 month CD yielding 4.50%.  The minimum deposit is $2,500.00.  Since this is a promotional offer, these interest rates are not marketed on the bank website.  Ocean Bank’s main office is Miami; the phone number for that office is 305-442-2660.  The website for the bank can be found at  The bank has 21 branches in Miami-Dade and Broward County.  The copy for the advertisement on these rates reads, “when it comes to deposits, the only thing as important as security is THE INTEREST RATE.”  Ad copy that could not be more appropriate, direct and truthful.  Searching for the best investment in this market is a matter of searching for the best CD rate or money market rate without sacrificing principal safety.

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