two certificates that would have competitive rates as normal CDs, and they become even more competitive as bump-up CDs : a 35-month bump-up CD returning.00 APY and a 5-year bump-up CD yielding.50 APY. Southern Commerce Bank has 11 locations, most of them inside Wal-Marts: One each in Bradenton, Clearwater, Coconut Creek, Daytona Beach, Fort Pierce, Gainesville, Jacksonville, Port. Both CDs require a minimum balance of 1000. Lauderdale, Hollywood, Lauderhill, Margate, and Pembroke Pines. MidFlorida CU is one of the largest credit unions in Florida, with 31 branches throughout the central part of the state: nine branches in Lakeland; three each in Sebring, Tampa and Winterhaven; and one each in Arcadia, Auburndale, Avon Park, Bartow, Brandon, Haines City, Lake. Peoples Alliance FCU also has a high 12-month youth CD thats returning.38 APY and a bump-up 18-month CD that yields.31 APY. Tyndall Federal Credit Union is open to workers at over 100 companies and organizations, many directly or indirectly related to Tyndall Air Force Base. . In Miami, and 12685. BrightStar Credit Union is open to anyone who lives, works or goes to school in Broward County or Palm Beach County and anyone associated with any educational institution in Broward County. Right now, those bumps would chat gay brescia desenzano escort raise the rates to: 1-year CD:.25 APY (from.00) 2-year CD:.75 APY (from.50) 3-year CD:.25 APY (from.00) 4-year CD:.50 APY (from.25) 5-year CD:.75 APY (from.50) This CD laddering program is also available. Unfortunately, their website doesnt list the minimums on either any of these certificates. On that IRA savings account, the website specifically states that dividends are paid quarterly, and accounts closed before the end of the quarter will not receive any dividends.