Saint Petersburg, Florida Best CD Rates October 2026
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Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Saint Petersburg, Florida CD rates range from 0.01% to 5.00% APY, verified by MonitorBankRates as of October 31, 2026. Current Saint Petersburg, Florida CD rates include Third Federal Savings and LoanThird Federal Savings and Loan262 37th Ave N, Saint Petersburg, FL 33704A+5.0 ★Texas Ratio: 2.32%Real return: +1.05%APY minus CPIRate verified Oct 31, 2026 offering 6 Month Bonus CD at 4.75% APY, Suncoast Credit UnionSuncoast Credit Union2120 34th St S, Saint Petersburg, FL 33711A5.0 ★Texas Ratio: 6.26%Real return: +0.80%APY minus CPIRate verified Oct 30, 2026 offering 18 Month Jumbo Certificate at 4.50% APY, Climate First BankClimate First Bank182 37th Ave N, Saint Petersburg, FL 33704A+5.0 ★Texas Ratio: 1.15%Real return: +0.76%APY minus CPIRate verified Oct 26, 2026 offering 12-Month Penalty-Free CD at 4.46% APY, TD BankTD Bank3900 4th St N, Saint Petersburg, FL 33703A+5.0 ★Texas Ratio: 3.71%Real return: +0.60%APY minus CPIRate verified Oct 31, 2026 offering 24 Month TD Choice CD at 4.30% APY, and Hancock Whitney BankHancock Whitney Bank100 2nd Ave N, Saint Petersburg, FL 33701A+5.0 ★Texas Ratio: 3.41%Real return: +0.55%APY minus CPIRate verified Oct 31, 2026 offering 24-Month Certificate of Deposit at 4.25% APY. CD rates as of October 31, 2026 according to verified data from MonitorBankRates.
Saint Petersburg has 315 local institutions in our database, with CD rates as high as 4.75% APY from Third Federal Savings and Loan at 262 37th Ave N, Saint Petersburg, FL 33704. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Florida area. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 31, 2026
Compare Best CD Rates in Saint Petersburg, Florida & the Surrounding Area
Saint Petersburg 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Climate First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
182 37th Ave N, Saint Petersburg, FL 33704
3-Month Penalty-Free CD
$500
4.26%
▲ 2.23% above Florida avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Florida Average2.03%▲ 2.23% above avgNationally 2.13%
Details
Special Promotion; Personal: $500 minimum opening deposit; Business: $1000 minimum opening deposit; Short-term savings with penalty-free access; No penalty for early withdrawals
Rate History
No change since Oct 21, 2026 · 4.26% APY · checked 2 times
Stearns Bank National Association
Institution Rating:
B+4.8 ★Texas Ratio: 17.74%
7555 Dr Martin Luther King Jr St N, Saint Petersburg, FL 33702
3 Month Business CDs
$500
3.90%
▲ 1.87% above Florida avg
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.03%▲ 1.87% above avgNationally 2.13%
Details
Interest paid at maturity; Ability to fund throughout the term; IRA funds eligible; No penalty may be imposed for early withdrawal
Rate History
No change since Oct 22, 2026 · 3.90% APY · checked 4 times
Stearns Bank National Association
Institution Rating:
B+4.8 ★Texas Ratio: 17.74%
7555 Dr Martin Luther King Jr St N, Saint Petersburg, FL 33702
3 Month Stearns Salaam CD
$500
3.90%
▲ 1.87% above Florida avg
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.03%▲ 1.87% above avgNationally 2.13%
Details
Expected Profit Rate 3.85%; Expected Annual % Yield 3.90%; Profit paid at maturity; No discount may be applied for early withdrawal; Ability to fund throughout the term; Rates current as of 10/1/2026
Rate History
No change since Oct 22, 2026 · 3.90% APY · checked 4 times
Stearns Bank National Association
Institution Rating:
B+4.8 ★Texas Ratio: 17.74%
7555 Dr Martin Luther King Jr St N, Saint Petersburg, FL 33702
Standard CD - 3 months
$500
3.90%
▲ 1.87% above Florida avg
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.03%▲ 1.87% above avgNationally 2.13%
Details
Interest paid at maturity; Ability to fund throughout the term; IRA funds are eligible; No penalty may be imposed for early withdrawal
Rate History
No change since Oct 22, 2026 · 3.90% APY · checked 4 times
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
1840 4th St N, Saint Petersburg, FL 33704
3-Month Certificate of Deposit
$500
3.55%
▲ 1.52% above Florida avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.03%▲ 1.52% above avgNationally 2.13%
Details
Balance: $500 or more; Account matures in 3 months; Fund up to $500,000 online and up to $1,000,000 in a branch
Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 10 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2180 4th St N, Saint Petersburg, FL 33704
3 Month IRA/HSA CD - VIP Bonus
$500
3.55%
▲ 1.52% above Florida avg
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average2.03%▲ 1.52% above avgNationally 2.13%
Details
VIP Relationship Reward Bonus
Rate History
No change since Oct 13, 2026 · 3.55% APY · checked 4 times
Seacoast National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1200 4th St N, Saint Petersburg, FL 33701
3-Month CD (Certificate of Deposit)
$1,000
3.50%
▲ 1.47% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.03%▲ 1.47% above avgNationally 2.13%
Details
Minimum opening deposit of $1,000 required; offer not available to funds currently on deposit at Seacoast Bank; special APY applicable to initial term only; APY accurate as of October 23, 2026
Rate History
1 change since Sep 24, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25%
- Oct 31, 20263.50%▲ from 3.25%
- Sep 24, 20263.25%first recorded
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2180 4th St N, Saint Petersburg, FL 33704
3 Month CD - VIP Bonus
$500
3.40%
▲ 1.37% above Florida avg
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average2.03%▲ 1.37% above avgNationally 2.13%
Details
VIP Relationship Reward Bonus rate
Rate History
No change since Oct 13, 2026 · 3.40% APY · checked 4 times
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
8950 9th St N Ste 130, Saint Petersburg, FL 33702 3000
3-Month Share Certificate
$1,000
3.35%
▲ 1.32% above Florida avg
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average2.03%▲ 1.32% above avgNationally 2.13%
Details
Penalty for early withdrawal: 3 Months Dividends
Rate History
1 change since Sep 14, 2026 · 3.26% → 3.35% ▲ 0.09 pts · high 3.35% / low 3.26%
- Sep 18, 20263.35%▲ from 3.26%
- Sep 14, 20263.26%first recorded
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2180 4th St N, Saint Petersburg, FL 33704
3 Month IRA/HSA CD
$500
3.30%
▲ 1.27% above Florida avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average2.03%▲ 1.27% above avgNationally 2.13%
Details
Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 9 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2180 4th St N, Saint Petersburg, FL 33704
3 Month CD
$500
3.15%
▲ 1.12% above Florida avg
▼
Rate3.11%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average2.03%▲ 1.12% above avgNationally 2.13%
Details
Rate History
No change since Sep 18, 2026 · 3.15% APY · checked 9 times
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
777 Pasadena Ave S, Saint Petersburg, FL 33707
CD - 3 Month
$0
2.94%
▲ 0.91% above Florida avg
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.03%▲ 0.91% above avgNationally 2.13%
Details
Rate History
No change since Oct 20, 2026 · 2.94% APY · checked 3 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
3629 11th Ave N, Saint Petersburg, FL 33713
3 Month CD
$0
2.40%
▲ 0.37% above Florida avg
▼
Rate2.37%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average2.03%▲ 0.37% above avgNationally 2.13%
Details
Balance: $500 minimum to earn interest
Rate History
No change since Sep 18, 2026 · 2.40% APY · checked 9 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
3629 11th Ave N, Saint Petersburg, FL 33713
Performance Certificate of Deposit - 3 Month CD
$0
2.40%
▲ 0.37% above Florida avg
▼
Rate2.37%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average2.03%▲ 0.37% above avgNationally 2.13%
Details
Balance: Minimum Balance to Earn Interest $500
Rate History
No change since Oct 26, 2026 · 2.40% APY · checked 2 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3900 4th St N, Saint Petersburg, FL 33703
3 Month TD Choice CD
$250
2.00%
▼ 0.03% below Florida avg
▼
Rate1.98%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.03%▼ 0.03% below avgNationally 2.13%
Details
Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 4 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3900 4th St N, Saint Petersburg, FL 33703
3 Month TD Choice CD
$250
1.99%
▼ 0.04% below Florida avg
▼
Rate1.97%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.03%▼ 0.04% below avgNationally 2.13%
Details
Non-Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 1.99% APY · checked 4 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
4100 4th St N, Saint Petersburg, FL 33703
3 Month Standard Fixed Rate CD - Relationship
$2,500
0.06%
▼ 1.97% below Florida avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.03%▼ 1.97% below avgNationally 2.13%
Details
California counties only; Balance: $0 - $4,999.99; Relationship rate; Early withdrawal penalties may apply
Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 5 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
4100 4th St N, Saint Petersburg, FL 33703
3 Month Standard Fixed Rate CD
$2,500
0.05%
▼ 1.98% below Florida avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.03%▼ 1.98% below avgNationally 2.13%
Details
California counties only; Balance: $0 - $4,999.99; Early withdrawal penalties may apply
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
3601 34th St N, Saint Petersburg, FL 33713
3 Month Personal Certificate of Deposit
$0
0.05%
▼ 1.98% below Florida avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.03%▼ 1.98% below avgNationally 2.13%
Details
Same rate for all terms 7 days - 60 months; Standard interest rates for all balances ($0.01+); Minimum opening deposit $2,500 for terms from 7 to 31 days; $1,000 for terms from 32 days to 60 months; Rates are accurate as of 5/12/2026
Rate History
No change since Oct 23, 2026 · 0.05% APY · checked 3 times
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
777 Pasadena Ave S, Saint Petersburg, FL 33707
90 Day Regular CD Account
$0
0.05%
▼ 1.98% below Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.03%▼ 1.98% below avgNationally 2.13%
Details
Type: Regular; Next Steps: Open Now
Rate History
No change since Oct 20, 2026 · 0.05% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3801 49th St N, Saint Petersburg, FL 33709
Certificate of Deposit - 3 Months
$1,000
0.03%
▼ 2.00% below Florida avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.03%▼ 2.00% below avgNationally 2.13%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 20, 2026 · 0.03% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3801 49th St N, Saint Petersburg, FL 33709
Certificate of Deposit - 3 Months
$1,000
0.02%
▼ 2.01% below Florida avg
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.03%▼ 2.01% below avgNationally 2.13%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 20, 2026 · 0.02% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3801 49th St N, Saint Petersburg, FL 33709
Certificate of Deposit - 3 Months
$1,000
0.01%
▼ 2.02% below Florida avg
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.03%▼ 2.02% below avgNationally 2.13%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 20, 2026 · 0.01% APY · checked 3 times
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
Certificate of Deposit - 3 Months
$0
4.30%
▲ 2.27% above Florida avg
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average2.03%▲ 2.27% above avgNationally 2.13%
Details
Rate History
No change since Oct 26, 2026 · 4.30% APY · checked 2 times
Beal Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
3-Month CD
$25,000
4.10%
▲ 2.07% above Florida avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Florida Average2.03%▲ 2.07% above avgNationally 2.13%
Details
Rate History
No change since Oct 28, 2026 · 4.10% APY
TotalBank
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
3-month online CD
$25,000
4.00%
▲ 1.97% above Florida avg
▼
Rate3.92%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.03%▲ 1.97% above avgNationally 2.13%
Details
Available for current 3-Month CD clients only; Online Only; $25,000 minimum deposit to open and earn APY; maximum $1,000,000 per client
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 9 times
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
3 Month Certificates
$0
3.90%
▲ 1.87% above Florida avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.03%▲ 1.87% above avgNationally 2.13%
Details
Compare table: Dividends 3.90 %; terms from 3 months to 5 years per page description; Digital Banking Access listed
Rate History
No change since Oct 26, 2026 · 3.90% APY · checked 2 times
Banesco USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
Special CD - 3 month CD
$1,000
3.85%
▲ 1.82% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.03%▲ 1.82% above avgNationally 2.13%
Details
Special CD Rates for Continental U.S.; Continental U.S. only; Qualifying opening deposit must be new money to Banesco USA; APYs valid as of 10/02/2026
Rate History
No change since Oct 20, 2026 · 3.85% APY · checked 4 times
Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
Promotional Share Certificate - 3 Months
$500
3.75%
▲ 1.72% above Florida avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average2.03%▲ 1.72% above avgNationally 2.13%
Details
Advertised APY includes 0.25% new money increase; requires opening with at least $10,000 from another financial institution; Limited time offer, valid starting August 2026
Rate History
No change since Oct 23, 2026 · 3.75% APY · checked 2 times
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
3 Month Business Share Certificates
$0
3.75%
▲ 1.72% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average2.03%▲ 1.72% above avgNationally 2.13%
Details
Balance: $1,000 to $24,999
Rate History
No change since Oct 13, 2026 · 3.75% APY · checked 4 times
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
3 Month Share Certificates
$0
3.75%
▲ 1.72% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average2.03%▲ 1.72% above avgNationally 2.13%
Details
Balance: $1,000 to $24,999
Rate History
No change since Oct 13, 2026 · 3.75% APY · checked 4 times
Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
CD - 3 Months
$500
3.75%
▲ 1.72% above Florida avg
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average2.03%▲ 1.72% above avgNationally 2.13%
Details
Effective Date: September 21, 2026
Rate History
No change since Oct 19, 2026 · 3.75% APY · checked 3 times
Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
IRA CD 3 Months
$500
3.75%
▲ 1.72% above Florida avg
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average2.03%▲ 1.72% above avgNationally 2.13%
Details
Visit a Branch to Open; Min. Average Daily Balance to Earn APY: $500
Rate History
No change since Oct 19, 2026 · 3.75% APY · checked 4 times
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
3 Month Jumbo Term Share Certificates
$0
3.75%
▲ 1.72% above Florida avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average2.03%▲ 1.72% above avgNationally 2.13%
Details
Subject to penalty for early withdrawal
Rate History
1 change since Oct 14, 2026 · 3.40% → 3.75% ▲ 0.35 pts · high 3.75% / low 3.40%
- Oct 30, 20263.75%▲ from 3.40%
- Oct 14, 20263.40%first recorded
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
Share Certificate - 3 Months
$500
3.75%
▲ 1.72% above Florida avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average2.03%▲ 1.72% above avgNationally 2.13%
Details
Special 3 Month Share Certificate: limited time offer, may be cancelled without notice; automatically rolls over to another 3 Month Share Certificate; Early Withdrawal Penalty: 90 Days' Dividends
Rate History
No change since Oct 30, 2026 · 3.75% APY
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
Special 3 Month Share Certificate
$500
3.75%
▲ 1.72% above Florida avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average2.03%▲ 1.72% above avgNationally 2.13%
Details
Special 3 Month Share Certificate is a limited time offer and may be cancelled at any time; auto-rolls to another 3 Month Share Certificate with a 10-day grace period; Early Withdrawal Penalty: 90 Days' Dividends
Rate History
No change since Oct 30, 2026 · 3.75% APY
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
3 Month Jumbo Term Certificate
$100,000
3.71%
▲ 1.68% above Florida avg
▼
Rate3.65%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average2.03%▲ 1.68% above avgNationally 2.13%
Details
Certificates are established with a required minimum deposit. Anytime there is a withdrawal from the certificate that results in the balance being less than the minimum required balance, the certificate should either be closed or put into a certificate where the balance meets the required minimum deposit.
Rate History
No change since Sep 18, 2026 · 3.71% APY · checked 4 times
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
3 Month IRA
$1,000
3.66%
▲ 1.63% above Florida avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average2.03%▲ 1.63% above avgNationally 2.13%
Details
Certificates can only be added to at maturity or in the 10-day grace period
Rate History
No change since Oct 19, 2026 · 3.66% APY · checked 3 times
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
3 Month Term Certificate
$1,000
3.66%
▲ 1.63% above Florida avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average2.03%▲ 1.63% above avgNationally 2.13%
Details
Certificates are established with a required minimum deposit. Anytime there is a withdrawal from the certificate that results in the balance being less than the minimum required balance, the certificate should either be closed or put into a certificate where the balance meets the required minimum deposit.
Rate History
No change since Sep 18, 2026 · 3.66% APY · checked 4 times
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
Term Share Certificates - 3 Months
$0
3.65%
▲ 1.62% above Florida avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average2.03%▲ 1.62% above avgNationally 2.13%
Details
Rate History
1 change since Oct 19, 2026 · 3.40% → 3.65% ▲ 0.25 pts · high 3.65% / low 3.40%
- Oct 30, 20263.65%▲ from 3.40%
- Oct 19, 20263.40%first recorded
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
Performance CDs - 3 month
$0
3.60%
▲ 1.57% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.03%▲ 1.57% above avgNationally 2.13%
Details
Rate History
No change since Oct 20, 2026 · 3.60% APY · checked 3 times
Newtek Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
3 Month CD
$2,500
3.50%
▲ 1.47% above Florida avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.03%▲ 1.47% above avgNationally 2.13%
Details
Business CD; maximum deposit $250,000
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 10 times
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
3 Month AMP Term Share Certificates
$0
3.50%
▲ 1.47% above Florida avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average2.03%▲ 1.47% above avgNationally 2.13%
Details
Subject to penalty for early withdrawal
Rate History
1 change since Sep 18, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25%
- Oct 30, 20263.50%▲ from 3.25%
- Sep 18, 20263.25%first recorded
Launch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
Business Share Certificate - 3 Month
$0
3.45%
▲ 1.42% above Florida avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average2.03%▲ 1.42% above avgNationally 2.13%
Details
Existing certificates only - no new accounts offered
Rate History
No change since Oct 19, 2026 · 3.45% APY · checked 3 times
Launch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
Share Certificates - 3 Month
$0
3.45%
▲ 1.42% above Florida avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average2.03%▲ 1.42% above avgNationally 2.13%
Details
Existing certificates only - no new accounts offered
Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 5 times
1st Source Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.01%
3 Month SPECIAL CD
$25,000
3.40%
▲ 1.37% above Florida avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.03%▲ 1.37% above avgNationally 2.13%
Details
Early withdrawal penalties may apply; Open Online
Rate History
No change since Oct 31, 2026 · 3.40% APY
Axiom Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
Small Business Certificates of Deposit - 3 Months
$500
3.35%
▲ 1.32% above Florida avg
▼
Rate3.29%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.03%▲ 1.32% above avgNationally 2.13%
Details
APY as of 7/6/26; Substantial penalty for early withdrawal
Rate History
No change since Oct 20, 2026 · 3.35% APY · checked 4 times
Saint Petersburg 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
262 37th Ave N, Saint Petersburg, FL 33704
6 Month Bonus CD
$0
4.75%
▲ 1.74% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.01%▲ 1.74% above avgNationally 2.79%
Details
Minimum to Obtain: $500
Rate History
No change since Sep 18, 2026 · 4.75% APY · checked 7 times
Climate First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
182 37th Ave N, Saint Petersburg, FL 33704
6-Month Penalty-Free CD
$500
4.33%
▲ 1.32% above Florida avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Florida Average3.01%▲ 1.32% above avgNationally 2.79%
Details
Special Promotion; Personal: $500 minimum opening deposit; Business: $1000 minimum opening deposit; Short-term growth with a strong return; No penalty for early withdrawals
Rate History
1 change since Sep 14, 2026 · 4.07% → 4.33% ▲ 0.26 pts · high 4.33% / low 4.07%
- Sep 24, 20264.33%▲ from 4.07%
- Sep 14, 20264.07%first recorded
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
3629 11th Ave N, Saint Petersburg, FL 33713
6 Month IRA CD
$500
4.10%
▲ 1.09% above Florida avg
▼
Rate4.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.01%▲ 1.09% above avgNationally 2.79%
Details
Balance: $100,000 minimum to earn interest; A minimum opening balance of $500 is required for all CD products
Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 7 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
3629 11th Ave N, Saint Petersburg, FL 33713
6 Month IRA CD
$500
4.05%
▲ 1.04% above Florida avg
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.01%▲ 1.04% above avgNationally 2.79%
Details
Balance: $25,000 minimum to earn interest; A minimum opening balance of $500 is required for all CD products
Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 7 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6300 4th St N, Saint Petersburg, FL 33702
Certificate of Deposit - 6 Month
$1,000
4.00%
▲ 0.99% above Florida avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Florida Average3.01%▲ 0.99% above avgNationally 2.79%
Details
Partial withdrawals allowed; APY as of 10/20/2026
Rate History
No change since Oct 21, 2026 · 4.00% APY · checked 3 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6300 4th St N, Saint Petersburg, FL 33702
Certificates of Deposit - 6 Month
$1,000
4.00%
▲ 0.99% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Florida Average3.01%▲ 0.99% above avgNationally 2.79%
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Oct 21, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6300 4th St N, Saint Petersburg, FL 33702
IRA - Individual Retirement Accounts - 6-Month
$1,000
4.00%
▲ 0.99% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Florida Average3.01%▲ 0.99% above avgNationally 2.79%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
- Oct 7, 20264.00%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6300 4th St N, Saint Petersburg, FL 33702
IRA Certificate - 6-Month
$1,000
4.00%
▲ 0.99% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Florida Average3.01%▲ 0.99% above avgNationally 2.79%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
No change since Oct 21, 2026 · 4.00% APY · checked 3 times
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
8950 9th St N Ste 130, Saint Petersburg, FL 33702 3000
6-Month Share Certificate
$1,000
4.00%
▲ 0.99% above Florida avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.01%▲ 0.99% above avgNationally 2.79%
Details
Penalty for early withdrawal: 3 Months Dividends
Rate History
1 change since Sep 14, 2026 · 3.87% → 4.00% ▲ 0.13 pts · high 4.00% / low 3.87%
- Sep 18, 20264.00%▲ from 3.87%
- Sep 14, 20263.87%first recorded
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
3629 11th Ave N, Saint Petersburg, FL 33713
6 month CD
$500
4.00%
▲ 0.99% above Florida avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.01%▲ 0.99% above avgNationally 2.79%
Details
Minimum balance to earn interest: $100,000
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 10 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
3629 11th Ave N, Saint Petersburg, FL 33713
6 Month HSA CD
$0
4.00%
▲ 0.99% above Florida avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.01%▲ 0.99% above avgNationally 2.79%
Details
Balance: $100,000 minimum to earn interest
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
3629 11th Ave N, Saint Petersburg, FL 33713
6 Month IRA CD
$500
4.00%
▲ 0.99% above Florida avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.01%▲ 0.99% above avgNationally 2.79%
Details
Balance: $500 minimum to earn interest; A minimum opening balance of $500 is required for all CD products
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
3629 11th Ave N, Saint Petersburg, FL 33713
6 month CD
$500
3.95%
▲ 0.94% above Florida avg
▼
Rate3.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.01%▲ 0.94% above avgNationally 2.79%
Details
Minimum balance to earn interest: $25,000
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 10 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
3629 11th Ave N, Saint Petersburg, FL 33713
6 Month HSA CD
$0
3.95%
▲ 0.94% above Florida avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.01%▲ 0.94% above avgNationally 2.79%
Details
Balance: $25,000 minimum to earn interest
Rate History
No change since Sep 18, 2026 · 3.95% APY · checked 6 times
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
2120 34th St S, Saint Petersburg, FL 33711
6 Month Jumbo Certificate
$0
3.95%
▲ 0.94% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.01%▲ 0.94% above avgNationally 2.79%
Details
Rate Type: Fixed
Rate History
No change since Sep 18, 2026 · 3.95% APY · checked 9 times
Stearns Bank National Association
Institution Rating:
B+4.8 ★Texas Ratio: 17.74%
7555 Dr Martin Luther King Jr St N, Saint Petersburg, FL 33702
6 Month Business CDs
$500
3.94%
▲ 0.93% above Florida avg
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.01%▲ 0.93% above avgNationally 2.79%
Details
Interest paid at maturity; Ability to fund throughout the term; IRA funds eligible; No penalty may be imposed for early withdrawal
Rate History
No change since Oct 22, 2026 · 3.94% APY · checked 4 times
Stearns Bank National Association
Institution Rating:
B+4.8 ★Texas Ratio: 17.74%
7555 Dr Martin Luther King Jr St N, Saint Petersburg, FL 33702
6 Month Stearns Salaam CD
$500
3.94%
▲ 0.93% above Florida avg
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.01%▲ 0.93% above avgNationally 2.79%
Details
Expected Profit Rate 3.90%; Expected Annual % Yield 3.94%; Profit paid at maturity; No discount may be applied for early withdrawal; Ability to fund throughout the term; Rates current as of 10/1/2026
Rate History
No change since Oct 22, 2026 · 3.94% APY · checked 4 times
Stearns Bank National Association
Institution Rating:
B+4.8 ★Texas Ratio: 17.74%
7555 Dr Martin Luther King Jr St N, Saint Petersburg, FL 33702
Standard CD - 6 months
$500
3.94%
▲ 0.93% above Florida avg
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.01%▲ 0.93% above avgNationally 2.79%
Details
Interest paid at maturity; Ability to fund throughout the term; IRA funds are eligible; No penalty may be imposed for early withdrawal
Rate History
No change since Oct 22, 2026 · 3.94% APY · checked 4 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
3629 11th Ave N, Saint Petersburg, FL 33713
6 month CD
$500
3.90%
▲ 0.89% above Florida avg
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.01%▲ 0.89% above avgNationally 2.79%
Details
Minimum balance to earn interest: $500
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 10 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
3629 11th Ave N, Saint Petersburg, FL 33713
6 Month HSA CD
$0
3.90%
▲ 0.89% above Florida avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.01%▲ 0.89% above avgNationally 2.79%
Details
Balance: $500 minimum to earn interest
Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 6 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
5900 Central Ave, Saint Petersburg, FL 33707
6-Month Term CD
$1,000
3.75%
▲ 0.74% above Florida avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.01%▲ 0.74% above avgNationally 2.79%
Details
Rate History
No change since Oct 19, 2026 · 3.75% APY · checked 3 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
5900 Central Ave, Saint Petersburg, FL 33707
Term CD - 6-Month
$1,000
3.75%
▲ 0.74% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.01%▲ 0.74% above avgNationally 2.79%
Details
Minimum of $1,000 to open your account
Rate History
No change since Oct 19, 2026 · 3.75% APY · checked 3 times
RBMAX
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6300 4th St N, Saint Petersburg, FL 33702
CD - 6 Month
$1,000
3.70%
▲ 0.69% above Florida avg
▼
Rate3.63%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.01%▲ 0.69% above avgNationally 2.79%
Details
Partial withdrawals allowed; $100,000 maximum deposit per CD product; Annual Percentage Yield as of 10/19/2026
Rate History
No change since Oct 20, 2026 · 3.70% APY · checked 3 times
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
2120 34th St S, Saint Petersburg, FL 33711
6 Month Share Certificate
$0
3.70%
▲ 0.69% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.01%▲ 0.69% above avgNationally 2.79%
Details
Rate Type: Fixed
Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 9 times
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
2120 34th St S, Saint Petersburg, FL 33711
6 Month Youth Certificate
$0
3.70%
▲ 0.69% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.01%▲ 0.69% above avgNationally 2.79%
Details
Rate Type: Fixed
Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 9 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2180 4th St N, Saint Petersburg, FL 33704
6 Month IRA/HSA CD - VIP Bonus
$500
3.55%
▲ 0.54% above Florida avg
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.01%▲ 0.54% above avgNationally 2.79%
Details
VIP Relationship Reward Bonus
Rate History
No change since Oct 13, 2026 · 3.55% APY · checked 4 times
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
1840 4th St N, Saint Petersburg, FL 33704
6-Month Certificate of Deposit
$500
3.50%
▲ 0.49% above Florida avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.01%▲ 0.49% above avgNationally 2.79%
Details
Balance: $500 or more; Account matures in 6 months; Fund up to $500,000 online and up to $1,000,000 in a branch
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 8 times
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
1840 4th St N, Saint Petersburg, FL 33704
6-Month Fixed Rate CD
$0
3.50%
▲ 0.49% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.01%▲ 0.49% above avgNationally 2.79%
Details
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 6 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2180 4th St N, Saint Petersburg, FL 33704
6 Month CD - VIP Bonus
$500
3.40%
▲ 0.39% above Florida avg
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.01%▲ 0.39% above avgNationally 2.79%
Details
VIP Relationship Reward Bonus rate
Rate History
No change since Oct 13, 2026 · 3.40% APY · checked 4 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2180 4th St N, Saint Petersburg, FL 33704
6 Month IRA/HSA CD
$500
3.30%
▲ 0.29% above Florida avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.01%▲ 0.29% above avgNationally 2.79%
Details
Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 9 times
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
777 Pasadena Ave S, Saint Petersburg, FL 33707
CD - 6 Month
$0
3.20%
▲ 0.19% above Florida avg
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.01%▲ 0.19% above avgNationally 2.79%
Details
Rate History
No change since Oct 20, 2026 · 3.20% APY · checked 3 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2180 4th St N, Saint Petersburg, FL 33704
6 Month CD
$500
3.15%
▲ 0.14% above Florida avg
▼
Rate3.11%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.01%▲ 0.14% above avgNationally 2.79%
Details
Rate History
No change since Sep 18, 2026 · 3.15% APY · checked 9 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3900 4th St N, Saint Petersburg, FL 33703
6 Month TD Choice CD
$250
2.00%
▼ 1.01% below Florida avg
▼
Rate1.98%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.01%▼ 1.01% below avgNationally 2.79%
Details
Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 4 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3900 4th St N, Saint Petersburg, FL 33703
6 Month TD Choice CD
$250
1.99%
▼ 1.02% below Florida avg
▼
Rate1.97%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.01%▼ 1.02% below avgNationally 2.79%
Details
Non-Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 1.99% APY · checked 4 times
Florida Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
400 16th St N, Saint Petersburg, FL 33705 2023
6 Month Share Certificates - Regular and IRA
$0
0.16%
▼ 2.85% below Florida avg
▼
Rate0.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.01%▼ 2.85% below avgNationally 2.79%
Details
Rate History
No change since Oct 19, 2026 · 0.16% APY · checked 3 times
Florida Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
400 16th St N, Saint Petersburg, FL 33705 2023
Share Certificate - Regular and IRA 6 Months
$0
0.16%
▼ 2.85% below Florida avg
▼
Rate0.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.01%▼ 2.85% below avgNationally 2.79%
Details
Regular and IRA
Rate History
No change since Oct 19, 2026 · 0.16% APY · checked 3 times
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
777 Pasadena Ave S, Saint Petersburg, FL 33707
180 Day Regular CD Account
$0
0.10%
▼ 2.91% below Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.01%▼ 2.91% below avgNationally 2.79%
Details
Type: Regular; Next Steps: Open Now
Rate History
No change since Oct 20, 2026 · 0.10% APY · checked 3 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
4100 4th St N, Saint Petersburg, FL 33703
6 Month Standard Fixed Rate CD - Relationship
$2,500
0.06%
▼ 2.95% below Florida avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.01%▼ 2.95% below avgNationally 2.79%
Details
California counties only; Balance: $0 - $4,999.99; Relationship rate; Early withdrawal penalties may apply
Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 5 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3900 4th St N, Saint Petersburg, FL 33703
6 Month TD No Catch CD
$0
0.05%
▼ 2.96% below Florida avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.01%▼ 2.96% below avgNationally 2.79%
Details
6 Month TD No Catch CD
Rate History
No change since Oct 20, 2026 · 0.05% APY · checked 4 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
4100 4th St N, Saint Petersburg, FL 33703
6 Month Standard Fixed Rate CD
$2,500
0.05%
▼ 2.96% below Florida avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.01%▼ 2.96% below avgNationally 2.79%
Details
California counties only; Balance: $0 - $4,999.99; Early withdrawal penalties may apply
Rate History
No change since Sep 27, 2026 · 0.05% APY · checked 5 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
3601 34th St N, Saint Petersburg, FL 33713
6 Month Personal Certificate of Deposit
$0
0.05%
▼ 2.96% below Florida avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.01%▼ 2.96% below avgNationally 2.79%
Details
Same rate for all terms 7 days - 60 months; Standard interest rates for all balances ($0.01+); Minimum opening deposit $2,500 for terms from 7 to 31 days; $1,000 for terms from 32 days to 60 months; Rates are accurate as of 5/12/2026
Rate History
No change since Oct 23, 2026 · 0.05% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3801 49th St N, Saint Petersburg, FL 33709
Certificate of Deposit - 6 Months
$1,000
0.03%
▼ 2.98% below Florida avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.01%▼ 2.98% below avgNationally 2.79%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 20, 2026 · 0.03% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3801 49th St N, Saint Petersburg, FL 33709
IRA CD 6 Months
$250
0.03%
▼ 2.98% below Florida avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.01%▼ 2.98% below avgNationally 2.79%
Details
Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3801 49th St N, Saint Petersburg, FL 33709
Certificate of Deposit - 6 Months
$1,000
0.02%
▼ 2.99% below Florida avg
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.01%▼ 2.99% below avgNationally 2.79%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 20, 2026 · 0.02% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3801 49th St N, Saint Petersburg, FL 33709
IRA CD 6 Months
$250
0.02%
▼ 2.99% below Florida avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.01%▼ 2.99% below avgNationally 2.79%
Details
Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3801 49th St N, Saint Petersburg, FL 33709
Certificate of Deposit - 6 Months
$1,000
0.01%
▼ 3.00% below Florida avg
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.01%▼ 3.00% below avgNationally 2.79%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 20, 2026 · 0.01% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3801 49th St N, Saint Petersburg, FL 33709
IRA CD 6 Months
$250
0.01%
▼ 3.00% below Florida avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.01%▼ 3.00% below avgNationally 2.79%
Details
Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 4 times
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
6-month CD
$10,000
4.35%
▲ 1.34% above Florida avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.01%▲ 1.34% above avgNationally 2.79%
Details
Rate History
2 changes since Sep 24, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
- Oct 6, 20264.35%▲ from 4.25%
- Oct 1, 20264.25%▲ from 4.15%
- Sep 24, 20264.15%first recorded
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
Certificate of Deposit - 6 Months
$0
4.35%
▲ 1.34% above Florida avg
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.01%▲ 1.34% above avgNationally 2.79%
Details
Rate History
No change since Oct 26, 2026 · 4.35% APY · checked 2 times
Newtek Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
6 Month CD
$2,500
4.30%
▲ 1.29% above Florida avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.01%▲ 1.29% above avgNationally 2.79%
Details
Business CD; maximum deposit $250,000
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.30% ▲ 0.30 pts · high 4.30% / low 4.00%
- Oct 14, 20264.30%▲ from 4.00%
- Sep 18, 20264.00%first recorded
Saint Petersburg 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
262 37th Ave N, Saint Petersburg, FL 33704
12 Month Online CD
$500
4.50%
▲ 1.28% above Florida avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▲ 1.28% above avgNationally 3.01%
Details
Online CD
Rate History
1 change since Sep 18, 2026 · 4.35% → 4.50% ▲ 0.15 pts · high 4.50% / low 4.35%
- Oct 20, 20264.50%▲ from 4.35%
- Sep 18, 20264.35%first recorded
Climate First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
182 37th Ave N, Saint Petersburg, FL 33704
12-Month Penalty-Free CD
$500
4.46%
▲ 1.24% above Florida avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Florida Average3.22%▲ 1.24% above avgNationally 3.01%
Details
Special Promotion; Personal: $500 minimum opening deposit; Business: $1000 minimum opening deposit; Lock in a great rate for a full year; No penalty for early withdrawals
Rate History
1 change since Sep 14, 2026 · 4.15% → 4.46% ▲ 0.31 pts · high 4.46% / low 4.15%
- Oct 21, 20264.46%▲ from 4.15%
- Sep 14, 20264.15%first recorded
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
262 37th Ave N, Saint Petersburg, FL 33704
1 Year Rising Rate CD
$0
4.25%
▲ 1.03% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▲ 1.03% above avgNationally 3.01%
Details
Months 10-12 APY 4.25%; Minimum to Obtain: $500
Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 7 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3900 4th St N, Saint Petersburg, FL 33703
12 Month TD Choice CD
$250
4.15%
▲ 0.93% above Florida avg
▼
Rate4.07%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▲ 0.93% above avgNationally 3.01%
Details
Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 4.15% APY · checked 4 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3900 4th St N, Saint Petersburg, FL 33703
12 Month TD Choice CD
$250
4.14%
▲ 0.92% above Florida avg
▼
Rate4.06%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▲ 0.92% above avgNationally 3.01%
Details
Non-Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 4.14% APY · checked 4 times
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
8950 9th St N Ste 130, Saint Petersburg, FL 33702 3000
1-Year Share Certificate
$1,000
4.10%
▲ 0.88% above Florida avg
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.22%▲ 0.88% above avgNationally 3.01%
Details
Penalty for early withdrawal: 3 Months Dividends
Rate History
1 change since Sep 14, 2026 · 3.93% → 4.10% ▲ 0.17 pts · high 4.10% / low 3.93%
- Sep 18, 20264.10%▲ from 3.93%
- Sep 14, 20263.93%first recorded
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
262 37th Ave N, Saint Petersburg, FL 33704
1 Year Rising Rate CD
$0
4.00%
▲ 0.78% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▲ 0.78% above avgNationally 3.01%
Details
Months 7-9 APY 4.00%; Minimum to Obtain: $500
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 7 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
5900 Central Ave, Saint Petersburg, FL 33707
1-Year Term CD
$1,000
4.00%
▲ 0.78% above Florida avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.22%▲ 0.78% above avgNationally 3.01%
Details
Rate History
No change since Oct 19, 2026 · 4.00% APY · checked 3 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
5900 Central Ave, Saint Petersburg, FL 33707
Term CD - 1-Year
$1,000
4.00%
▲ 0.78% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.22%▲ 0.78% above avgNationally 3.01%
Details
Minimum of $1,000 to open your account; 1-Year Term CD renews automatically for the same term
Rate History
No change since Oct 19, 2026 · 4.00% APY · checked 3 times
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
2120 34th St S, Saint Petersburg, FL 33711
12 Month Jumbo Certificate
$0
3.95%
▲ 0.73% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.22%▲ 0.73% above avgNationally 3.01%
Details
Rate Type: Fixed
Rate History
No change since Sep 18, 2026 · 3.95% APY · checked 9 times
Stearns Bank National Association
Institution Rating:
B+4.8 ★Texas Ratio: 17.74%
7555 Dr Martin Luther King Jr St N, Saint Petersburg, FL 33702
12 Month Business CDs
$500
3.85%
▲ 0.63% above Florida avg
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▲ 0.63% above avgNationally 3.01%
Details
IRA funds eligible; A penalty may be imposed for early withdrawal; Compounds annually
Rate History
No change since Oct 22, 2026 · 3.85% APY · checked 4 times
Stearns Bank National Association
Institution Rating:
B+4.8 ★Texas Ratio: 17.74%
7555 Dr Martin Luther King Jr St N, Saint Petersburg, FL 33702
12 Month Stearns Salaam CD
$500
3.85%
▲ 0.63% above Florida avg
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▲ 0.63% above avgNationally 3.01%
Details
Expected Profit Rate 3.85%; Expected Annual % Yield 3.85%; A discount may be applied for early withdrawal; Compounds annually; Rates current as of 10/1/2026
Rate History
No change since Oct 22, 2026 · 3.85% APY · checked 4 times
Stearns Bank National Association
Institution Rating:
B+4.8 ★Texas Ratio: 17.74%
7555 Dr Martin Luther King Jr St N, Saint Petersburg, FL 33702
Standard CD - 12 months
$500
3.85%
▲ 0.63% above Florida avg
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▲ 0.63% above avgNationally 3.01%
Details
IRA funds are eligible; A penalty may be imposed for early withdrawal; Compounds annually
Rate History
No change since Oct 22, 2026 · 3.85% APY · checked 4 times
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
262 37th Ave N, Saint Petersburg, FL 33704
1 Year Rising Rate CD
$0
3.75%
▲ 0.53% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▲ 0.53% above avgNationally 3.01%
Details
Months 4-6 APY 3.75%; Minimum to Obtain: $500
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 7 times
Seacoast National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1200 4th St N, Saint Petersburg, FL 33701
12-Month CD (Certificate of Deposit)
$1,000
3.75%
▲ 0.53% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▲ 0.53% above avgNationally 3.01%
Details
Minimum opening deposit of $1,000 required; offer not available to funds currently on deposit at Seacoast Bank; special APY applicable to initial term only; APY accurate as of October 23, 2026
Rate History
1 change since Sep 24, 2026 · 3.55% → 3.75% ▲ 0.20 pts · high 3.75% / low 3.55%
- Oct 14, 20263.75%▲ from 3.55%
- Sep 24, 20263.55%first recorded
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
3629 11th Ave N, Saint Petersburg, FL 33713
12 Month IRA CD
$0
3.70%
▲ 0.48% above Florida avg
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.22%▲ 0.48% above avgNationally 3.01%
Details
Minimum balance to earn interest: $100,000; Call 800.593.2274 or visit a branch to open your CD
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 10 times
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
2120 34th St S, Saint Petersburg, FL 33711
12 Month Share Certificate
$0
3.70%
▲ 0.48% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.22%▲ 0.48% above avgNationally 3.01%
Details
Rate Type: Fixed
Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 9 times
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
2120 34th St S, Saint Petersburg, FL 33711
12 Month Smart Start Certificate
$0
3.70%
▲ 0.48% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.22%▲ 0.48% above avgNationally 3.01%
Details
Rate Type: Fixed
Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 9 times
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
2120 34th St S, Saint Petersburg, FL 33711
12 Month Youth Certificate
$0
3.70%
▲ 0.48% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.22%▲ 0.48% above avgNationally 3.01%
Details
Rate Type: Fixed
Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 9 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
3629 11th Ave N, Saint Petersburg, FL 33713
12 Month CD
$0
3.60%
▲ 0.38% above Florida avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.22%▲ 0.38% above avgNationally 3.01%
Details
Balance: $100,000.00 and over
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 10 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
3629 11th Ave N, Saint Petersburg, FL 33713
12 Month HSA CD
$500
3.60%
▲ 0.38% above Florida avg
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.22%▲ 0.38% above avgNationally 3.01%
Details
Balance: $100,000 minimum to earn interest; Call 800.593.2274 or visit a branch to open
Rate History
No change since Sep 21, 2026 · 3.60% APY · checked 8 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
3629 11th Ave N, Saint Petersburg, FL 33713
12 Month IRA CD
$0
3.60%
▲ 0.38% above Florida avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.22%▲ 0.38% above avgNationally 3.01%
Details
Minimum balance to earn interest: $25,000; Call 800.593.2274 or visit a branch to open your CD
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 10 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2180 4th St N, Saint Petersburg, FL 33704
12 Month IRA/HSA CD - VIP Bonus
$500
3.60%
▲ 0.38% above Florida avg
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.22%▲ 0.38% above avgNationally 3.01%
Details
VIP Relationship Reward Bonus
Rate History
No change since Oct 13, 2026 · 3.60% APY · checked 4 times
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
777 Pasadena Ave S, Saint Petersburg, FL 33707
CD - 12 Month
$0
3.51%
▲ 0.29% above Florida avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▲ 0.29% above avgNationally 3.01%
Details
Rate History
No change since Oct 20, 2026 · 3.51% APY · checked 3 times
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
262 37th Ave N, Saint Petersburg, FL 33704
1 Year Rising Rate CD
$0
3.50%
▲ 0.28% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▲ 0.28% above avgNationally 3.01%
Details
Months 1-3 APY 3.50%; Minimum to Obtain: $500
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 7 times
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
1840 4th St N, Saint Petersburg, FL 33704
12-Month Fixed Rate CD
$0
3.50%
▲ 0.28% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▲ 0.28% above avgNationally 3.01%
Details
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 6 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
3629 11th Ave N, Saint Petersburg, FL 33713
12 Month CD
$0
3.50%
▲ 0.28% above Florida avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.22%▲ 0.28% above avgNationally 3.01%
Details
Balance: $25,000.00 - $99,999.99
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 10 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
3629 11th Ave N, Saint Petersburg, FL 33713
12 Month HSA CD
$500
3.50%
▲ 0.28% above Florida avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.22%▲ 0.28% above avgNationally 3.01%
Details
Balance: $25,000 minimum to earn interest; Call 800.593.2274 or visit a branch to open
Rate History
No change since Sep 21, 2026 · 3.50% APY · checked 8 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
3629 11th Ave N, Saint Petersburg, FL 33713
12 Month IRA CD
$0
3.50%
▲ 0.28% above Florida avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.22%▲ 0.28% above avgNationally 3.01%
Details
Minimum balance to earn interest: $500; Call 800.593.2274 or visit a branch to open your CD
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 10 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2180 4th St N, Saint Petersburg, FL 33704
12 Month CD - VIP Bonus
$500
3.45%
▲ 0.23% above Florida avg
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.22%▲ 0.23% above avgNationally 3.01%
Details
VIP Relationship Reward Bonus rate
Rate History
No change since Oct 13, 2026 · 3.45% APY · checked 4 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
3629 11th Ave N, Saint Petersburg, FL 33713
12 Month CD
$0
3.40%
▲ 0.18% above Florida avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.22%▲ 0.18% above avgNationally 3.01%
Details
Balance: $500.00 - $24,999.99
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 10 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
3629 11th Ave N, Saint Petersburg, FL 33713
12 Month HSA CD
$500
3.40%
▲ 0.18% above Florida avg
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.22%▲ 0.18% above avgNationally 3.01%
Details
Balance: $500 minimum to earn interest; Call 800.593.2274 or visit a branch to open
Rate History
No change since Sep 21, 2026 · 3.40% APY · checked 8 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2180 4th St N, Saint Petersburg, FL 33704
12 Month IRA/HSA CD
$500
3.35%
▲ 0.13% above Florida avg
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.22%▲ 0.13% above avgNationally 3.01%
Details
Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 9 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
3601 34th St N, Saint Petersburg, FL 33713
CD 12 Month
$0
3.25%
▲ 0.03% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▲ 0.03% above avgNationally 3.01%
Details
Balance: $100,000 and above; special rate on select new CD accounts
Rate History
No change since Oct 20, 2026 · 3.25% APY · checked 3 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2180 4th St N, Saint Petersburg, FL 33704
12 Month CD
$500
3.20%
▼ 0.02% below Florida avg
▼
Rate3.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.22%▼ 0.02% below avgNationally 3.01%
Details
Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 9 times
RBMAX
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6300 4th St N, Saint Petersburg, FL 33702
CD - 12 Month
$1,000
3.10%
▼ 0.12% below Florida avg
▼
Rate3.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▼ 0.12% below avgNationally 3.01%
Details
Partial withdrawals not allowed for 12 Month CD; $100,000 maximum deposit per CD product; Annual Percentage Yield as of 10/19/2026
Rate History
No change since Oct 20, 2026 · 3.10% APY · checked 3 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6300 4th St N, Saint Petersburg, FL 33702
Certificate of Deposit - 12 Month
$1,000
3.10%
▼ 0.12% below Florida avg
▼
Rate3.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Florida Average3.22%▼ 0.12% below avgNationally 3.01%
Details
Partial withdrawals not allowed; APY as of 10/20/2026
Rate History
No change since Oct 21, 2026 · 3.10% APY · checked 3 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6300 4th St N, Saint Petersburg, FL 33702
Certificates of Deposit - 12 Month
$1,000
3.10%
▼ 0.12% below Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Florida Average3.22%▼ 0.12% below avgNationally 3.01%
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 4 times
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
5900 Central Ave, Saint Petersburg, FL 33707
12 Month Certificate of Deposit
$500
2.00%
▼ 1.22% below Florida avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▼ 1.22% below avgNationally 3.01%
Details
Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 9 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
4100 4th St N, Saint Petersburg, FL 33703
1 Year Standard Fixed Rate CD - Relationship
$2,500
1.51%
▼ 1.71% below Florida avg
▼
Rate1.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▼ 1.71% below avgNationally 3.01%
Details
California counties only; Balance: $0 - $4,999.99; Relationship rate; Early withdrawal penalties may apply
Rate History
No change since Sep 27, 2026 · 1.51% APY · checked 5 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
4100 4th St N, Saint Petersburg, FL 33703
1 Year Standard Fixed Rate CD
$2,500
1.50%
▼ 1.72% below Florida avg
▼
Rate1.49%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▼ 1.72% below avgNationally 3.01%
Details
California counties only; Balance: $0 - $4,999.99; Early withdrawal penalties may apply
Rate History
No change since Sep 27, 2026 · 1.50% APY · checked 5 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6300 4th St N, Saint Petersburg, FL 33702
IRA - Individual Retirement Accounts - 12-Month
$1,000
1.25%
▼ 1.97% below Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Florida Average3.22%▼ 1.97% below avgNationally 3.01%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 6 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6300 4th St N, Saint Petersburg, FL 33702
IRA Certificate - 12-Month
$1,000
1.25%
▼ 1.97% below Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Florida Average3.22%▼ 1.97% below avgNationally 3.01%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
No change since Oct 21, 2026 · 1.25% APY · checked 3 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
5900 Central Ave, Saint Petersburg, FL 33707
1-Year RampUp Plus CD
$25,000
0.25%
▼ 2.97% below Florida avg
▼
Rate0.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.22%▼ 2.97% below avgNationally 3.01%
Details
Rate History
No change since Sep 24, 2026 · 0.25% APY · checked 4 times
Florida Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
400 16th St N, Saint Petersburg, FL 33705 2023
12 Month Share Certificates - Regular and IRA
$0
0.21%
▼ 3.01% below Florida avg
▼
Rate0.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.22%▼ 3.01% below avgNationally 3.01%
Details
Rate History
No change since Oct 19, 2026 · 0.21% APY · checked 3 times
Florida Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
400 16th St N, Saint Petersburg, FL 33705 2023
Share Certificate - Regular and IRA 12 Months
$0
0.21%
▼ 3.01% below Florida avg
▼
Rate0.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.22%▼ 3.01% below avgNationally 3.01%
Details
Regular and IRA
Rate History
No change since Oct 19, 2026 · 0.21% APY · checked 3 times
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
777 Pasadena Ave S, Saint Petersburg, FL 33707
12 Month Regular CD Account
$0
0.10%
▼ 3.12% below Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▼ 3.12% below avgNationally 3.01%
Details
Type: Regular; Next Steps: Open Now
Rate History
No change since Oct 20, 2026 · 0.10% APY · checked 3 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3900 4th St N, Saint Petersburg, FL 33703
12 Month TD IRA Add-Vantage CD
$0
0.05%
▼ 3.17% below Florida avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▼ 3.17% below avgNationally 3.01%
Details
12 Month TD IRA Add-Vantage CD; IRA certificate
Rate History
No change since Sep 27, 2026 · 0.05% APY · checked 9 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3900 4th St N, Saint Petersburg, FL 33703
12 Month TD No Catch CD
$0
0.05%
▼ 3.17% below Florida avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▼ 3.17% below avgNationally 3.01%
Details
12 Month TD No Catch CD
Rate History
No change since Oct 20, 2026 · 0.05% APY · checked 4 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
3601 34th St N, Saint Petersburg, FL 33713
12 Month Personal Certificate of Deposit
$0
0.05%
▼ 3.17% below Florida avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▼ 3.17% below avgNationally 3.01%
Details
Same rate for all terms 7 days - 60 months; Standard interest rates for all balances ($0.01+); Minimum opening deposit $2,500 for terms from 7 to 31 days; $1,000 for terms from 32 days to 60 months; Rates are accurate as of 5/12/2026
Rate History
No change since Oct 23, 2026 · 0.05% APY · checked 3 times
Saint Petersburg 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
2120 34th St S, Saint Petersburg, FL 33711
18 Month Jumbo Certificate
$0
4.50%
▲ 1.28% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.22%▲ 1.28% above avgNationally 2.91%
Details
Rate Type: Fixed
Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 9 times
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
2120 34th St S, Saint Petersburg, FL 33711
18 Month Share Certificate
$0
4.50%
▲ 1.28% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.22%▲ 1.28% above avgNationally 2.91%
Details
Rate Type: Fixed
Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 9 times
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
2120 34th St S, Saint Petersburg, FL 33711
18 Month Youth Certificate
$0
4.50%
▲ 1.28% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.22%▲ 1.28% above avgNationally 2.91%
Details
Rate Type: Fixed
Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 9 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3900 4th St N, Saint Petersburg, FL 33703
18 Month TD Choice CD
$250
4.25%
▲ 1.03% above Florida avg
▼
Rate4.17%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▲ 1.03% above avgNationally 2.91%
Details
Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 4.25% APY · checked 4 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3900 4th St N, Saint Petersburg, FL 33703
18 Month TD Choice CD
$250
4.24%
▲ 1.02% above Florida avg
▼
Rate4.16%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▲ 1.02% above avgNationally 2.91%
Details
Non-Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 4.24% APY · checked 4 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
3629 11th Ave N, Saint Petersburg, FL 33713
18 month IRA CD
$0
3.85%
▲ 0.63% above Florida avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.22%▲ 0.63% above avgNationally 2.91%
Details
Minimum balance to earn interest: $500
Rate History
No change since Sep 18, 2026 · 3.85% APY · checked 9 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
3629 11th Ave N, Saint Petersburg, FL 33713
18 Month CD
$0
3.75%
▲ 0.53% above Florida avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.22%▲ 0.53% above avgNationally 2.91%
Details
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 9 times
Stearns Bank National Association
Institution Rating:
B+4.8 ★Texas Ratio: 17.74%
7555 Dr Martin Luther King Jr St N, Saint Petersburg, FL 33702
18 Month Business CDs
$500
3.66%
▲ 0.44% above Florida avg
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▲ 0.44% above avgNationally 2.91%
Details
IRA funds eligible; A penalty may be imposed for early withdrawal; Compounds annually
Rate History
No change since Oct 22, 2026 · 3.66% APY · checked 4 times
Stearns Bank National Association
Institution Rating:
B+4.8 ★Texas Ratio: 17.74%
7555 Dr Martin Luther King Jr St N, Saint Petersburg, FL 33702
18 Month Stearns Salaam CD
$500
3.66%
▲ 0.44% above Florida avg
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▲ 0.44% above avgNationally 2.91%
Details
Expected Profit Rate 3.65%; Expected Annual % Yield 3.66%; A discount may be applied for early withdrawal; Compounds annually; Rates current as of 10/1/2026
Rate History
No change since Oct 22, 2026 · 3.66% APY · checked 4 times
Stearns Bank National Association
Institution Rating:
B+4.8 ★Texas Ratio: 17.74%
7555 Dr Martin Luther King Jr St N, Saint Petersburg, FL 33702
Standard CD - 18 months
$500
3.66%
▲ 0.44% above Florida avg
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▲ 0.44% above avgNationally 2.91%
Details
IRA funds are eligible; A penalty may be imposed for early withdrawal; Compounds annually
Rate History
No change since Oct 22, 2026 · 3.66% APY · checked 4 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2180 4th St N, Saint Petersburg, FL 33704
18 Month IRA/HSA CD - VIP Bonus
$500
3.65%
▲ 0.43% above Florida avg
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.22%▲ 0.43% above avgNationally 2.91%
Details
VIP Relationship Reward Bonus
Rate History
No change since Oct 13, 2026 · 3.65% APY · checked 4 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2180 4th St N, Saint Petersburg, FL 33704
18 Month CD - VIP Bonus
$500
3.50%
▲ 0.28% above Florida avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.22%▲ 0.28% above avgNationally 2.91%
Details
VIP Relationship Reward Bonus rate
Rate History
No change since Oct 13, 2026 · 3.50% APY · checked 4 times
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
777 Pasadena Ave S, Saint Petersburg, FL 33707
CD - 18 Month
$0
3.46%
▲ 0.24% above Florida avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▲ 0.24% above avgNationally 2.91%
Details
Rate History
No change since Oct 20, 2026 · 3.46% APY · checked 3 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2180 4th St N, Saint Petersburg, FL 33704
18 Month IRA/HSA CD
$500
3.40%
▲ 0.18% above Florida avg
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.22%▲ 0.18% above avgNationally 2.91%
Details
Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 9 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6300 4th St N, Saint Petersburg, FL 33702
Certificate of Deposit - 18 Month
$1,000
3.25%
▲ 0.03% above Florida avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Florida Average3.22%▲ 0.03% above avgNationally 2.91%
Details
Partial withdrawals allowed; APY as of 10/20/2026
Rate History
No change since Oct 21, 2026 · 3.25% APY · checked 3 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6300 4th St N, Saint Petersburg, FL 33702
Certificates of Deposit - 18 Month
$1,000
3.25%
▲ 0.03% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Florida Average3.22%▲ 0.03% above avgNationally 2.91%
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 4 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6300 4th St N, Saint Petersburg, FL 33702
IRA - Individual Retirement Accounts - 18-Month
$1,000
3.25%
▲ 0.03% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Florida Average3.22%▲ 0.03% above avgNationally 2.91%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
1 change since Sep 14, 2026 · 2.65% → 3.25% ▲ 0.60 pts · high 3.25% / low 2.65%
- Oct 7, 20263.25%▲ from 2.65%
- Sep 14, 20262.65%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6300 4th St N, Saint Petersburg, FL 33702
IRA Certificate - 18-Month
$1,000
3.25%
▲ 0.03% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Florida Average3.22%▲ 0.03% above avgNationally 2.91%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
No change since Oct 21, 2026 · 3.25% APY · checked 3 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2180 4th St N, Saint Petersburg, FL 33704
18 Month CD
$500
3.25%
▲ 0.03% above Florida avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.22%▲ 0.03% above avgNationally 2.91%
Details
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 9 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
5900 Central Ave, Saint Petersburg, FL 33707
18-Month Term CD
$1,000
2.75%
▼ 0.47% below Florida avg
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.22%▼ 0.47% below avgNationally 2.91%
Details
Rate History
No change since Oct 19, 2026 · 2.75% APY · checked 3 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
5900 Central Ave, Saint Petersburg, FL 33707
Term CD - 18-Month
$1,000
2.75%
▼ 0.47% below Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.22%▼ 0.47% below avgNationally 2.91%
Details
Minimum of $1,000 to open your account; 18-Month CD renews as a 2-Year Term CD at the then-published APY
Rate History
No change since Oct 19, 2026 · 2.75% APY · checked 3 times
Florida Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
400 16th St N, Saint Petersburg, FL 33705 2023
18 Month Share Certificates - Regular and IRA
$0
0.26%
▼ 2.96% below Florida avg
▼
Rate0.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.22%▼ 2.96% below avgNationally 2.91%
Details
Rate History
No change since Oct 19, 2026 · 0.26% APY · checked 3 times
Florida Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
400 16th St N, Saint Petersburg, FL 33705 2023
Share Certificate - Regular and IRA 18 Months
$0
0.26%
▼ 2.96% below Florida avg
▼
Rate0.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.22%▼ 2.96% below avgNationally 2.91%
Details
Regular and IRA
Rate History
No change since Oct 19, 2026 · 0.26% APY · checked 3 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
3601 34th St N, Saint Petersburg, FL 33713
18 Month Personal Certificate of Deposit
$0
0.05%
▼ 3.17% below Florida avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▼ 3.17% below avgNationally 2.91%
Details
Same rate for all terms 7 days - 60 months; Standard interest rates for all balances ($0.01+); Minimum opening deposit $2,500 for terms from 7 to 31 days; $1,000 for terms from 32 days to 60 months; Rates are accurate as of 5/12/2026
Rate History
No change since Oct 23, 2026 · 0.05% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3801 49th St N, Saint Petersburg, FL 33709
Certificate of Deposit - 18 Months
$1,000
0.03%
▼ 3.19% below Florida avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▼ 3.19% below avgNationally 2.91%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 20, 2026 · 0.03% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3801 49th St N, Saint Petersburg, FL 33709
IRA CD 18 Months
$250
0.03%
▼ 3.19% below Florida avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▼ 3.19% below avgNationally 2.91%
Details
Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3801 49th St N, Saint Petersburg, FL 33709
Certificate of Deposit - 18 Months
$1,000
0.02%
▼ 3.20% below Florida avg
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▼ 3.20% below avgNationally 2.91%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 20, 2026 · 0.02% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3801 49th St N, Saint Petersburg, FL 33709
IRA CD 18 Months
$250
0.02%
▼ 3.20% below Florida avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▼ 3.20% below avgNationally 2.91%
Details
Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 4 times
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
5900 Central Ave, Saint Petersburg, FL 33707
18 Month Certificate of Deposit
$500
0.02%
▼ 3.20% below Florida avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▼ 3.20% below avgNationally 2.91%
Details
Rate History
No change since Sep 18, 2026 · 0.02% APY · checked 9 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3801 49th St N, Saint Petersburg, FL 33709
Certificate of Deposit - 18 Months
$1,000
0.01%
▼ 3.21% below Florida avg
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▼ 3.21% below avgNationally 2.91%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 20, 2026 · 0.01% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3801 49th St N, Saint Petersburg, FL 33709
IRA CD 18 Months
$250
0.01%
▼ 3.21% below Florida avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▼ 3.21% below avgNationally 2.91%
Details
Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 4 times
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
18-month CD
$10,000
4.80%
▲ 1.58% above Florida avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.22%▲ 1.58% above avgNationally 2.91%
Details
Rate History
4 changes since Sep 24, 2026 · 4.35% → 4.80% ▲ 0.45 pts · high 4.80% / low 4.35%
- Oct 26, 20264.80%▲ from 4.75%
- Oct 19, 20264.75%▲ from 4.65%
- Oct 6, 20264.65%▲ from 4.55%
- Oct 1, 20264.55%▲ from 4.35%
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
Certificate of Deposit - 18 Months
$0
4.80%
▲ 1.58% above Florida avg
▼
Rate4.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.22%▲ 1.58% above avgNationally 2.91%
Details
Rate History
No change since Oct 26, 2026 · 4.80% APY · checked 2 times
Synchrony Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.55%
Certificate of Deposit - 18 Months
$0
4.50%
▲ 1.28% above Florida avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Florida Average3.22%▲ 1.28% above avgNationally 2.91%
Details
Rate History
No change since Oct 28, 2026 · 4.50% APY
Synchrony Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.55%
IRA CD - 18 Months
$0
4.50%
▲ 1.28% above Florida avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Florida Average3.22%▲ 1.28% above avgNationally 2.91%
Details
Rate History
No change since Oct 28, 2026 · 4.50% APY
Launch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
Business Share Certificate - 18 Month
$0
4.50%
▲ 1.28% above Florida avg
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.22%▲ 1.28% above avgNationally 2.91%
Details
Rate History
No change since Oct 19, 2026 · 4.50% APY · checked 3 times
Launch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
Share Certificates - 18 Month
$0
4.50%
▲ 1.28% above Florida avg
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.22%▲ 1.28% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 4.59% → 4.50% ▼ 0.09 pts · high 4.59% / low 4.50%
- Oct 14, 20264.50%▼ from 4.59%
- Sep 14, 20264.59%first recorded
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
18-month CD
$1,000
4.45%
▲ 1.23% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▲ 1.23% above avgNationally 2.91%
Details
Online only; 30-day penalty if withdrawn before maturity
Rate History
2 changes since Sep 14, 2026 · 4.00% → 4.45% ▲ 0.45 pts · high 4.45% / low 4.00%
- Oct 20, 20264.45%▲ from 4.15%
- Sep 24, 20264.15%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
18 Month CD - Relationship CD
$2,500
4.40%
▲ 1.18% above Florida avg
▼
Rate4.33%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▲ 1.18% above avgNationally 2.91%
Details
Relationship CD; Minimum $2500 to open; Relationship is defined as Direct Deposit Checking
Rate History
No change since Oct 31, 2026 · 4.40% APY
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
18 Month Jumbo Term Certificate
$100,000
4.39%
▲ 1.17% above Florida avg
▼
Rate4.30%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.22%▲ 1.17% above avgNationally 2.91%
Details
Certificates are established with a required minimum deposit. Anytime there is a withdrawal from the certificate that results in the balance being less than the minimum required balance, the certificate should either be closed or put into a certificate where the balance meets the required minimum deposit.
Rate History
1 change since Sep 18, 2026 · 4.28% → 4.39% ▲ 0.11 pts · high 4.39% / low 4.28%
- Oct 19, 20264.39%▲ from 4.28%
- Sep 18, 20264.28%first recorded
United Bank (AL)
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
CD Specials - 18 Month
$1,000
4.35%
▲ 1.13% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▲ 1.13% above avgNationally 2.91%
Details
Minimum deposit: $1,000; Interest rate established the date of deposit and calculated by the daily balance method; Available with savings periods of either six, thirteen, or eighteen months
Rate History
No change since Oct 14, 2026 · 4.35% APY · checked 6 times
Beal Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
18-Month CD
$25,000
4.35%
▲ 1.13% above Florida avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Florida Average3.22%▲ 1.13% above avgNationally 2.91%
Details
Rate History
No change since Oct 28, 2026 · 4.35% APY
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
18 Month IRA
$1,000
4.33%
▲ 1.11% above Florida avg
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.22%▲ 1.11% above avgNationally 2.91%
Details
Certificates can only be added to at maturity or in the 10-day grace period
Rate History
No change since Oct 19, 2026 · 4.33% APY · checked 3 times
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
18 Month Term Certificate
$1,000
4.33%
▲ 1.11% above Florida avg
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.22%▲ 1.11% above avgNationally 2.91%
Details
Certificates are established with a required minimum deposit. Anytime there is a withdrawal from the certificate that results in the balance being less than the minimum required balance, the certificate should either be closed or put into a certificate where the balance meets the required minimum deposit.
Rate History
1 change since Sep 18, 2026 · 4.23% → 4.33% ▲ 0.10 pts · high 4.33% / low 4.23%
- Oct 19, 20264.33%▲ from 4.23%
- Sep 18, 20264.23%first recorded
Fidelity Bank New Orleans, LA
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
18 Month CD/IRA Special
$1,000
4.30%
▲ 1.08% above Florida avg
▼
Rate4.21%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Florida Average3.22%▲ 1.08% above avgNationally 2.91%
Details
Majority New Money (must be at least 51% new money for the opening deposit); Must have an existing checking account or open a new checking account at the time of CD/IRA opening; Early withdrawals are subject to penalty
Rate History
No change since Oct 28, 2026 · 4.30% APY
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
18 Month CD
$1,000
4.25%
▲ 1.03% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▲ 1.03% above avgNationally 2.91%
Details
Promotional APY on 18 & 24-month CDs; Minimum opening deposit $1,000
Rate History
No change since Oct 26, 2026 · 4.25% APY · checked 3 times
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
12 - 18 Month CD
$0
4.25%
▲ 1.03% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▲ 1.03% above avgNationally 2.91%
Details
CD Rates; Certificate of Deposit
Rate History
No change since Oct 31, 2026 · 4.25% APY
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
12 - 18 Month Certificate of Deposit
$0
4.25%
▲ 1.03% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▲ 1.03% above avgNationally 2.91%
Details
Homepage banner text: CD Rates 12 - 18 Months 4.25 APY (Annual Percentage Yield)
Rate History
No change since Oct 31, 2026 · 4.25% APY
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
18 Months CD
$0
4.25%
▲ 1.03% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▲ 1.03% above avgNationally 2.91%
Details
Certificates of Deposit Specials
Rate History
4 changes since Sep 19, 2026 · 3.60% → 4.25% ▲ 0.65 pts · high 4.25% / low 3.50%
- Oct 31, 20264.25%▲ from 4.00%
- Oct 20, 20264.00%▲ from 3.50%
- Oct 14, 20263.50%▼ from 4.00%
- Sep 24, 20264.00%▲ from 3.60%
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
Certificate of Deposit - 12 - 18 Months
$500
4.25%
▲ 1.03% above Florida avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▲ 1.03% above avgNationally 2.91%
Details
Substantial penalty for early withdrawal. Fees may reduce earnings.
Rate History
No change since Oct 31, 2026 · 4.25% APY
Saint Petersburg 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3900 4th St N, Saint Petersburg, FL 33703
24 Month TD Choice CD
$250
4.30%
▲ 1.15% above Florida avg
▼
Rate4.22%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.15%▲ 1.15% above avgNationally 2.91%
Details
Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 4.30% APY · checked 4 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3900 4th St N, Saint Petersburg, FL 33703
24 Month TD Choice CD
$250
4.29%
▲ 1.14% above Florida avg
▼
Rate4.21%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.15%▲ 1.14% above avgNationally 2.91%
Details
Non-Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 4.29% APY · checked 4 times
Hancock Whitney Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
100 2nd Ave N, Saint Petersburg, FL 33701
24-Month Certificate of Deposit
$0
4.25%
▲ 1.10% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.15%▲ 1.10% above avgNationally 2.91%
Details
Guaranteed rate of return on a Certificate of Deposit
Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 3 times
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
8950 9th St N Ste 130, Saint Petersburg, FL 33702 3000
2-Year Share Certificate
$1,000
4.10%
▲ 0.95% above Florida avg
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.15%▲ 0.95% above avgNationally 2.91%
Details
Penalty for early withdrawal: 6 Months Dividends
Rate History
1 change since Sep 14, 2026 · 3.93% → 4.10% ▲ 0.17 pts · high 4.10% / low 3.93%
- Oct 15, 20264.10%▲ from 3.93%
- Sep 14, 20263.93%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6300 4th St N, Saint Petersburg, FL 33702
Certificate of Deposit - 24 Month
$1,000
4.00%
▲ 0.85% above Florida avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Florida Average3.15%▲ 0.85% above avgNationally 2.91%
Details
Partial withdrawals allowed; APY as of 10/20/2026
Rate History
No change since Oct 21, 2026 · 4.00% APY · checked 3 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6300 4th St N, Saint Petersburg, FL 33702
Certificates of Deposit - 24 Month
$1,000
4.00%
▲ 0.85% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Florida Average3.15%▲ 0.85% above avgNationally 2.91%
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Oct 21, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6300 4th St N, Saint Petersburg, FL 33702
IRA - Individual Retirement Accounts - 24-Month
$1,000
4.00%
▲ 0.85% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Florida Average3.15%▲ 0.85% above avgNationally 2.91%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Oct 7, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6300 4th St N, Saint Petersburg, FL 33702
IRA Certificate - 24-Month
$1,000
4.00%
▲ 0.85% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Florida Average3.15%▲ 0.85% above avgNationally 2.91%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
No change since Oct 21, 2026 · 4.00% APY · checked 3 times
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
2120 34th St S, Saint Petersburg, FL 33711
24 Month Jumbo Certificate
$0
4.00%
▲ 0.85% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.15%▲ 0.85% above avgNationally 2.91%
Details
Rate Type: Fixed
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 9 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
3629 11th Ave N, Saint Petersburg, FL 33713
24 Month IRA CD
$0
3.85%
▲ 0.70% above Florida avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.15%▲ 0.70% above avgNationally 2.91%
Details
Minimum Balance to Earn Interest: $500
Rate History
No change since Sep 18, 2026 · 3.85% APY · checked 9 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
3629 11th Ave N, Saint Petersburg, FL 33713
24 Month CD
$500
3.75%
▲ 0.60% above Florida avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.15%▲ 0.60% above avgNationally 2.91%
Details
Balance: $500.00 - $24,999.99; Minimum balance to earn interest: $500
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 9 times
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
2120 34th St S, Saint Petersburg, FL 33711
24 Month Share Certificate
$0
3.75%
▲ 0.60% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.15%▲ 0.60% above avgNationally 2.91%
Details
Rate Type: Fixed
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 9 times
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
2120 34th St S, Saint Petersburg, FL 33711
24 Month Youth Certificate
$0
3.75%
▲ 0.60% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.15%▲ 0.60% above avgNationally 2.91%
Details
Rate Type: Fixed
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 9 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2180 4th St N, Saint Petersburg, FL 33704
24 Month IRA/HSA CD - VIP Bonus
$500
3.65%
▲ 0.50% above Florida avg
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.15%▲ 0.50% above avgNationally 2.91%
Details
VIP Relationship Reward Bonus
Rate History
No change since Oct 13, 2026 · 3.65% APY · checked 4 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2180 4th St N, Saint Petersburg, FL 33704
24 Month CD - VIP Bonus
$500
3.50%
▲ 0.35% above Florida avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.15%▲ 0.35% above avgNationally 2.91%
Details
VIP Relationship Reward Bonus rate
Rate History
No change since Oct 13, 2026 · 3.50% APY · checked 4 times
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
777 Pasadena Ave S, Saint Petersburg, FL 33707
CD - 24 Month
$0
3.41%
▲ 0.26% above Florida avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.15%▲ 0.26% above avgNationally 2.91%
Details
Rate History
No change since Oct 20, 2026 · 3.41% APY · checked 3 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2180 4th St N, Saint Petersburg, FL 33704
24 Month IRA/HSA CD
$500
3.40%
▲ 0.25% above Florida avg
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.15%▲ 0.25% above avgNationally 2.91%
Details
Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 9 times
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
1840 4th St N, Saint Petersburg, FL 33704
24-Month Fixed Rate CD
$0
3.25%
▲ 0.10% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.15%▲ 0.10% above avgNationally 2.91%
Details
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 6 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2180 4th St N, Saint Petersburg, FL 33704
24 Month CD
$500
3.25%
▲ 0.10% above Florida avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.15%▲ 0.10% above avgNationally 2.91%
Details
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 9 times
Florida Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
400 16th St N, Saint Petersburg, FL 33705 2023
24 Month Share Certificates - Regular and IRA
$0
2.75%
▼ 0.40% below Florida avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.15%▼ 0.40% below avgNationally 2.91%
Details
Rate History
No change since Oct 19, 2026 · 2.75% APY · checked 3 times
Florida Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
400 16th St N, Saint Petersburg, FL 33705 2023
Share Certificate - Regular and IRA 24 Months
$0
2.75%
▼ 0.40% below Florida avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.15%▼ 0.40% below avgNationally 2.91%
Details
Regular and IRA
Rate History
No change since Oct 19, 2026 · 2.75% APY · checked 3 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
5900 Central Ave, Saint Petersburg, FL 33707
2-Year Jumbo CD
$100,000
0.40%
▼ 2.75% below Florida avg
▼
Rate0.40%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.15%▼ 2.75% below avgNationally 2.91%
Details
Rate History
No change since Sep 24, 2026 · 0.40% APY · checked 4 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
5900 Central Ave, Saint Petersburg, FL 33707
2-Year Term CD
$1,000
0.40%
▼ 2.75% below Florida avg
▼
Rate0.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.15%▼ 2.75% below avgNationally 2.91%
Details
Rate History
No change since Oct 19, 2026 · 0.40% APY · checked 3 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
5900 Central Ave, Saint Petersburg, FL 33707
Term CD - 2-Year
$1,000
0.40%
▼ 2.75% below Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.15%▼ 2.75% below avgNationally 2.91%
Details
Minimum of $1,000 to open your account
Rate History
No change since Oct 19, 2026 · 0.40% APY · checked 3 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
5900 Central Ave, Saint Petersburg, FL 33707
2-Year RampUp Plus CD
$25,000
0.25%
▼ 2.90% below Florida avg
▼
Rate0.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.15%▼ 2.90% below avgNationally 2.91%
Details
Rate History
No change since Sep 24, 2026 · 0.25% APY · checked 4 times
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
777 Pasadena Ave S, Saint Petersburg, FL 33707
24 Month Regular CD Account
$0
0.10%
▼ 3.05% below Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.15%▼ 3.05% below avgNationally 2.91%
Details
Type: Regular; Next Steps: Open Now
Rate History
No change since Oct 20, 2026 · 0.10% APY · checked 3 times
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
5900 Central Ave, Saint Petersburg, FL 33707
2 Year Certificate of Deposit
$500
0.05%
▼ 3.10% below Florida avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.15%▼ 3.10% below avgNationally 2.91%
Details
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 9 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
3601 34th St N, Saint Petersburg, FL 33713
24 Month Personal Certificate of Deposit
$0
0.05%
▼ 3.10% below Florida avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.15%▼ 3.10% below avgNationally 2.91%
Details
Same rate for all terms 7 days - 60 months; Standard interest rates for all balances ($0.01+); Minimum opening deposit $2,500 for terms from 7 to 31 days; $1,000 for terms from 32 days to 60 months; Rates are accurate as of 5/12/2026
Rate History
No change since Oct 23, 2026 · 0.05% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3801 49th St N, Saint Petersburg, FL 33709
Certificate of Deposit - 24 Months
$1,000
0.03%
▼ 3.12% below Florida avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.15%▼ 3.12% below avgNationally 2.91%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 20, 2026 · 0.03% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3801 49th St N, Saint Petersburg, FL 33709
IRA CD 24 Months
$250
0.03%
▼ 3.12% below Florida avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.15%▼ 3.12% below avgNationally 2.91%
Details
Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3801 49th St N, Saint Petersburg, FL 33709
Certificate of Deposit - 24 Months
$1,000
0.02%
▼ 3.13% below Florida avg
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.15%▼ 3.13% below avgNationally 2.91%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 20, 2026 · 0.02% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3801 49th St N, Saint Petersburg, FL 33709
IRA CD 24 Months
$250
0.02%
▼ 3.13% below Florida avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.15%▼ 3.13% below avgNationally 2.91%
Details
Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3801 49th St N, Saint Petersburg, FL 33709
Certificate of Deposit - 24 Months
$1,000
0.01%
▼ 3.14% below Florida avg
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.15%▼ 3.14% below avgNationally 2.91%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 20, 2026 · 0.01% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3801 49th St N, Saint Petersburg, FL 33709
IRA CD 24 Months
$250
0.01%
▼ 3.14% below Florida avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.15%▼ 3.14% below avgNationally 2.91%
Details
Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 4 times
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
Certificate of Deposit - 24 Months
$0
4.80%
▲ 1.65% above Florida avg
▼
Rate4.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.15%▲ 1.65% above avgNationally 2.91%
Details
Rate History
No change since Oct 26, 2026 · 4.80% APY · checked 2 times
Synchrony Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.55%
Certificate of Deposit - 24 Months
$0
4.60%
▲ 1.45% above Florida avg
▼
Rate4.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Florida Average3.15%▲ 1.45% above avgNationally 2.91%
Details
Rate History
No change since Oct 28, 2026 · 4.60% APY
Synchrony Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.55%
IRA CD - 24 Months
$0
4.60%
▲ 1.45% above Florida avg
▼
Rate4.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Florida Average3.15%▲ 1.45% above avgNationally 2.91%
Details
Rate History
No change since Oct 28, 2026 · 4.60% APY
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
New Money CD - 24 Month
$1,000
4.60%
▲ 1.45% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.15%▲ 1.45% above avgNationally 2.91%
Details
Minimum balance to obtain APY: More than $0; Minimum balance to open account online: $1,000; Not available to business customers
Rate History
No change since Oct 20, 2026 · 4.60% APY · checked 3 times
TotalBank
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
24-month online CD
$25,000
4.50%
▲ 1.35% above Florida avg
▼
Rate4.40%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.15%▲ 1.35% above avgNationally 2.91%
Details
Online Only; $25,000 minimum deposit to open and earn APY; maximum $1,000,000 per client
Rate History
1 change since Sep 18, 2026 · 3.75% → 4.50% ▲ 0.75 pts · high 4.50% / low 3.75%
- Oct 2, 20264.50%▲ from 3.75%
- Sep 18, 20263.75%first recorded
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
24 Month CD - Relationship CD
$2,500
4.50%
▲ 1.35% above Florida avg
▼
Rate4.43%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.15%▲ 1.35% above avgNationally 2.91%
Details
Relationship CD; Minimum $2500 to open; Relationship is defined as Direct Deposit Checking
Rate History
No change since Oct 31, 2026 · 4.50% APY
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
Online CDs - 24 Month
$1,000
4.40%
▲ 1.25% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.15%▲ 1.25% above avgNationally 2.91%
Details
Only available to existing Premier customers; Minimum balance to obtain APY: More than $0; Minimum balance to open account online: $1,000; Not available to business customers
Rate History
No change since Sep 24, 2026 · 4.40% APY · checked 9 times
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
Wealth Center/Telephone CD - 24 Month
$1,000
4.40%
▲ 1.25% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.15%▲ 1.25% above avgNationally 2.91%
Details
Wealth Center or Telephone Only; Minimum balance to obtain APY: More than $0; Minimum balance to open account: $1,000; Not available to business customers
Rate History
No change since Oct 26, 2026 · 4.40% APY · checked 2 times
Beal Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
24-Month CD
$25,000
4.40%
▲ 1.25% above Florida avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Florida Average3.15%▲ 1.25% above avgNationally 2.91%
Details
Rate History
No change since Oct 28, 2026 · 4.40% APY
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
2 year Business Share Certificates
$0
4.40%
▲ 1.25% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.15%▲ 1.25% above avgNationally 2.91%
Details
Balance: $1,000 to $24,999
Rate History
No change since Oct 13, 2026 · 4.40% APY · checked 4 times
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
2 Year Share Certificates
$0
4.40%
▲ 1.25% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.15%▲ 1.25% above avgNationally 2.91%
Details
Balance: $1,000 to $24,999
Rate History
No change since Oct 13, 2026 · 4.40% APY · checked 4 times
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
Performance CDs - 24 month
$0
4.35%
▲ 1.20% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.15%▲ 1.20% above avgNationally 2.91%
Details
Rate History
No change since Oct 20, 2026 · 4.35% APY · checked 3 times
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
24-month CD
$1,000
4.35%
▲ 1.20% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.15%▲ 1.20% above avgNationally 2.91%
Details
Online only; 30-day penalty if withdrawn before maturity
Rate History
2 changes since Sep 14, 2026 · 3.00% → 4.35% ▲ 1.35 pts · high 4.35% / low 3.00%
- Oct 20, 20264.35%▲ from 4.00%
- Sep 24, 20264.00%▲ from 3.00%
- Sep 14, 20263.00%first recorded
Miami Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
24 Month Share Certificate
$0
4.30%
▲ 1.15% above Florida avg
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.15%▲ 1.15% above avgNationally 2.91%
Details
Dividend rate and APY effective Monday, October 19th, 2026
Rate History
No change since Oct 19, 2026 · 4.30% APY · checked 3 times
Gala Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Months CD
$0
4.30%
▲ 1.15% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.15%▲ 1.15% above avgNationally 2.91%
Details
APY as of 10/22/2026; Fees could reduce earnings; A penalty may be charged for early withdrawal
Rate History
No change since Oct 10, 2026 · 4.30% APY · checked 5 times
McCoy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
24 Month Share Certificate
$0
4.28%
▲ 1.13% above Florida avg
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.15%▲ 1.13% above avgNationally 2.91%
Details
Balance: $1,000 - $4,999
Rate History
1 change since Sep 17, 2026 · 3.56% → 4.28% ▲ 0.73 pts · high 4.28% / low 3.56%
- Sep 25, 20264.28%▲ from 3.56%
- Sep 17, 20263.56%first recorded
Saint Petersburg 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
262 37th Ave N, Saint Petersburg, FL 33704
36 Month Bonus CD
$0
4.50%
▲ 1.51% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.99%▲ 1.51% above avgNationally 2.82%
Details
Minimum to Obtain: $500
Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 7 times
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
2120 34th St S, Saint Petersburg, FL 33711
36 Month Jumbo Certificate
$0
4.25%
▲ 1.26% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average2.99%▲ 1.26% above avgNationally 2.82%
Details
Rate Type: Fixed
Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 9 times
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
2120 34th St S, Saint Petersburg, FL 33711
36 Month Share Certificate
$0
4.25%
▲ 1.26% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average2.99%▲ 1.26% above avgNationally 2.82%
Details
Rate Type: Fixed
Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 9 times
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
2120 34th St S, Saint Petersburg, FL 33711
36 Month Youth Certificate
$0
4.25%
▲ 1.26% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average2.99%▲ 1.26% above avgNationally 2.82%
Details
Rate Type: Fixed
Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 9 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6300 4th St N, Saint Petersburg, FL 33702
Certificate of Deposit - 36 Month
$1,000
4.15%
▲ 1.16% above Florida avg
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Florida Average2.99%▲ 1.16% above avgNationally 2.82%
Details
Partial withdrawals allowed; APY as of 10/20/2026
Rate History
No change since Oct 21, 2026 · 4.15% APY · checked 3 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6300 4th St N, Saint Petersburg, FL 33702
Certificates of Deposit - 36 Month
$1,000
4.15%
▲ 1.16% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Florida Average2.99%▲ 1.16% above avgNationally 2.82%
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
- Oct 21, 20264.15%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6300 4th St N, Saint Petersburg, FL 33702
IRA - Individual Retirement Accounts - 36-Month
$1,000
4.15%
▲ 1.16% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Florida Average2.99%▲ 1.16% above avgNationally 2.82%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
- Oct 7, 20264.15%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6300 4th St N, Saint Petersburg, FL 33702
IRA Certificate - 36-Month
$1,000
4.15%
▲ 1.16% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Florida Average2.99%▲ 1.16% above avgNationally 2.82%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
No change since Oct 21, 2026 · 4.15% APY · checked 3 times
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
8950 9th St N Ste 130, Saint Petersburg, FL 33702 3000
3-Year Share Certificate
$1,000
4.15%
▲ 1.16% above Florida avg
▼
Rate4.06%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average2.99%▲ 1.16% above avgNationally 2.82%
Details
Penalty for early withdrawal: 9 Months Dividends
Rate History
1 change since Sep 14, 2026 · 3.98% → 4.15% ▲ 0.17 pts · high 4.15% / low 3.98%
- Oct 15, 20264.15%▲ from 3.98%
- Sep 14, 20263.98%first recorded
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
262 37th Ave N, Saint Petersburg, FL 33704
3 Year Rising Rate CD
$0
4.00%
▲ 1.01% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.99%▲ 1.01% above avgNationally 2.82%
Details
Year 3 APY 4.00%; Minimum to Obtain: $500
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 7 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2180 4th St N, Saint Petersburg, FL 33704
36 Month IRA/HSA CD - VIP Bonus
$500
3.75%
▲ 0.76% above Florida avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average2.99%▲ 0.76% above avgNationally 2.82%
Details
VIP Relationship Reward Bonus
Rate History
No change since Oct 13, 2026 · 3.75% APY · checked 4 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
3629 11th Ave N, Saint Petersburg, FL 33713
36 Month IRA CD
$0
3.65%
▲ 0.66% above Florida avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average2.99%▲ 0.66% above avgNationally 2.82%
Details
Minimum Balance to Earn Interest: $100,000
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 10 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
3629 11th Ave N, Saint Petersburg, FL 33713
36 Month IRA CD
$0
3.60%
▲ 0.61% above Florida avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average2.99%▲ 0.61% above avgNationally 2.82%
Details
Minimum Balance to Earn Interest: $25,000
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 10 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2180 4th St N, Saint Petersburg, FL 33704
36 Month CD - VIP Bonus
$500
3.60%
▲ 0.61% above Florida avg
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average2.99%▲ 0.61% above avgNationally 2.82%
Details
VIP Relationship Reward Bonus rate
Rate History
No change since Oct 13, 2026 · 3.60% APY · checked 4 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
3629 11th Ave N, Saint Petersburg, FL 33713
36 Month CD
$0
3.55%
▲ 0.56% above Florida avg
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average2.99%▲ 0.56% above avgNationally 2.82%
Details
Minimum balance to earn interest: $100,000
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 10 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
3629 11th Ave N, Saint Petersburg, FL 33713
36 Month IRA CD
$0
3.55%
▲ 0.56% above Florida avg
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average2.99%▲ 0.56% above avgNationally 2.82%
Details
Minimum Balance to Earn Interest: $500
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 10 times
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
262 37th Ave N, Saint Petersburg, FL 33704
3 Year Rising Rate CD
$0
3.50%
▲ 0.51% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.99%▲ 0.51% above avgNationally 2.82%
Details
Year 2 APY 3.50%; Minimum to Obtain: $500
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 7 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
3629 11th Ave N, Saint Petersburg, FL 33713
36 Month CD
$0
3.50%
▲ 0.51% above Florida avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average2.99%▲ 0.51% above avgNationally 2.82%
Details
Minimum balance to earn interest: $25,000
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 10 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2180 4th St N, Saint Petersburg, FL 33704
36 Month IRA/HSA CD
$500
3.50%
▲ 0.51% above Florida avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average2.99%▲ 0.51% above avgNationally 2.82%
Details
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 9 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
3629 11th Ave N, Saint Petersburg, FL 33713
36 Month CD
$0
3.45%
▲ 0.46% above Florida avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average2.99%▲ 0.46% above avgNationally 2.82%
Details
Minimum balance to earn interest: $500
Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 10 times
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
777 Pasadena Ave S, Saint Petersburg, FL 33707
CD - 36 Month
$0
3.41%
▲ 0.42% above Florida avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.99%▲ 0.42% above avgNationally 2.82%
Details
Rate History
No change since Oct 20, 2026 · 3.41% APY · checked 3 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
3629 11th Ave N, Saint Petersburg, FL 33713
36 Month CD
$0
3.35%
▲ 0.36% above Florida avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average2.99%▲ 0.36% above avgNationally 2.82%
Details
Minimum balance to earn interest: $25,000
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.35% ▼ 0.15 pts · high 3.50% / low 3.35%
- Oct 26, 20263.35%▼ from 3.50%
- Sep 14, 20263.50%first recorded
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2180 4th St N, Saint Petersburg, FL 33704
36 Month CD
$500
3.35%
▲ 0.36% above Florida avg
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average2.99%▲ 0.36% above avgNationally 2.82%
Details
Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 9 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
3629 11th Ave N, Saint Petersburg, FL 33713
36 Month CD
$0
3.25%
▲ 0.26% above Florida avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average2.99%▲ 0.26% above avgNationally 2.82%
Details
Minimum balance to earn interest: $500
Rate History
1 change since Sep 14, 2026 · 3.45% → 3.25% ▼ 0.20 pts · high 3.45% / low 3.25%
- Oct 26, 20263.25%▼ from 3.45%
- Sep 14, 20263.45%first recorded
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
1840 4th St N, Saint Petersburg, FL 33704
36-Month Certificate of Deposit
$500
3.20%
▲ 0.21% above Florida avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.99%▲ 0.21% above avgNationally 2.82%
Details
Balance: $500 or more; Account matures in 36 months; Fund up to $500,000 online and up to $1,000,000 in a branch
Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 7 times
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
1840 4th St N, Saint Petersburg, FL 33704
36-Month Fixed Rate CD
$0
3.20%
▲ 0.21% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.99%▲ 0.21% above avgNationally 2.82%
Details
Featured on page under 'Grow your savings your way'
Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 6 times
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
262 37th Ave N, Saint Petersburg, FL 33704
3 Year Rising Rate CD
$0
3.00%
▲ 0.01% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.99%▲ 0.01% above avgNationally 2.82%
Details
Year 1 APY 3.00%; Minimum to Obtain: $500
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 7 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3900 4th St N, Saint Petersburg, FL 33703
3 Year TD Choice CD
$250
2.00%
▼ 0.99% below Florida avg
▼
Rate1.98%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.99%▼ 0.99% below avgNationally 2.82%
Details
Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 4 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3900 4th St N, Saint Petersburg, FL 33703
3 Year TD Choice CD
$250
1.99%
▼ 1.00% below Florida avg
▼
Rate1.97%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.99%▼ 1.00% below avgNationally 2.82%
Details
Non-Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 1.99% APY · checked 4 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
5900 Central Ave, Saint Petersburg, FL 33707
3-Year Jumbo CD
$100,000
0.40%
▼ 2.59% below Florida avg
▼
Rate0.40%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average2.99%▼ 2.59% below avgNationally 2.82%
Details
Rate History
No change since Sep 24, 2026 · 0.40% APY · checked 4 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
5900 Central Ave, Saint Petersburg, FL 33707
3-Year Term CD
$1,000
0.40%
▼ 2.59% below Florida avg
▼
Rate0.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average2.99%▼ 2.59% below avgNationally 2.82%
Details
Rate History
No change since Oct 19, 2026 · 0.40% APY · checked 3 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
5900 Central Ave, Saint Petersburg, FL 33707
Term CD - 3-Year
$1,000
0.40%
▼ 2.59% below Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average2.99%▼ 2.59% below avgNationally 2.82%
Details
Minimum of $1,000 to open your account
Rate History
No change since Oct 19, 2026 · 0.40% APY · checked 3 times
Florida Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
400 16th St N, Saint Petersburg, FL 33705 2023
36 Month Share Certificates - Regular and IRA
$0
0.36%
▼ 2.63% below Florida avg
▼
Rate0.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average2.99%▼ 2.63% below avgNationally 2.82%
Details
Rate History
No change since Oct 19, 2026 · 0.36% APY · checked 3 times
Florida Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
400 16th St N, Saint Petersburg, FL 33705 2023
Share Certificate - Regular and IRA 36 Months
$0
0.36%
▼ 2.63% below Florida avg
▼
Rate0.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average2.99%▼ 2.63% below avgNationally 2.82%
Details
Regular and IRA
Rate History
No change since Oct 19, 2026 · 0.36% APY · checked 3 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
5900 Central Ave, Saint Petersburg, FL 33707
3-Year RampUp CD
$25,000
0.25%
▼ 2.74% below Florida avg
▼
Rate0.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average2.99%▼ 2.74% below avgNationally 2.82%
Details
Rate History
No change since Sep 24, 2026 · 0.25% APY · checked 4 times
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
777 Pasadena Ave S, Saint Petersburg, FL 33707
36 Month Regular CD Account
$0
0.10%
▼ 2.89% below Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.99%▼ 2.89% below avgNationally 2.82%
Details
Type: Regular; Next Steps: Open Now
Rate History
No change since Oct 20, 2026 · 0.10% APY · checked 3 times
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
5900 Central Ave, Saint Petersburg, FL 33707
3 Year Certificate of Deposit
$500
0.05%
▼ 2.94% below Florida avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.99%▼ 2.94% below avgNationally 2.82%
Details
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 9 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
3601 34th St N, Saint Petersburg, FL 33713
36 Month Personal Certificate of Deposit
$0
0.05%
▼ 2.94% below Florida avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.99%▼ 2.94% below avgNationally 2.82%
Details
Same rate for all terms 7 days - 60 months; Standard interest rates for all balances ($0.01+); Minimum opening deposit $2,500 for terms from 7 to 31 days; $1,000 for terms from 32 days to 60 months; Rates are accurate as of 5/12/2026
Rate History
No change since Oct 23, 2026 · 0.05% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3801 49th St N, Saint Petersburg, FL 33709
Certificate of Deposit - 36 Months
$1,000
0.03%
▼ 2.96% below Florida avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.99%▼ 2.96% below avgNationally 2.82%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 20, 2026 · 0.03% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3801 49th St N, Saint Petersburg, FL 33709
IRA CD 36 Months
$250
0.03%
▼ 2.96% below Florida avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.99%▼ 2.96% below avgNationally 2.82%
Details
Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3801 49th St N, Saint Petersburg, FL 33709
Certificate of Deposit - 36 Months
$1,000
0.02%
▼ 2.97% below Florida avg
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.99%▼ 2.97% below avgNationally 2.82%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 20, 2026 · 0.02% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3801 49th St N, Saint Petersburg, FL 33709
IRA CD 36 Months
$250
0.02%
▼ 2.97% below Florida avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.99%▼ 2.97% below avgNationally 2.82%
Details
Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3801 49th St N, Saint Petersburg, FL 33709
Certificate of Deposit - 36 Months
$1,000
0.01%
▼ 2.98% below Florida avg
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.99%▼ 2.98% below avgNationally 2.82%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 20, 2026 · 0.01% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3801 49th St N, Saint Petersburg, FL 33709
IRA CD 36 Months
$250
0.01%
▼ 2.98% below Florida avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.99%▼ 2.98% below avgNationally 2.82%
Details
Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 4 times
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
Certificate of Deposit - 36 Months
$0
4.85%
▲ 1.86% above Florida avg
▼
Rate4.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average2.99%▲ 1.86% above avgNationally 2.82%
Details
Rate History
No change since Oct 26, 2026 · 4.85% APY · checked 2 times
Synchrony Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.55%
Certificate of Deposit - 36 Months
$0
4.65%
▲ 1.66% above Florida avg
▼
Rate4.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Florida Average2.99%▲ 1.66% above avgNationally 2.82%
Details
Rate History
No change since Oct 28, 2026 · 4.65% APY
Synchrony Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.55%
IRA CD - 36 Months
$0
4.65%
▲ 1.66% above Florida avg
▼
Rate4.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Florida Average2.99%▲ 1.66% above avgNationally 2.82%
Details
Rate History
No change since Oct 28, 2026 · 4.65% APY
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
36 Month CD - Relationship CD
$2,500
4.60%
▲ 1.61% above Florida avg
▼
Rate4.52%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.99%▲ 1.61% above avgNationally 2.82%
Details
Relationship CD; Minimum $2500 to open; Relationship is defined as Direct Deposit Checking
Rate History
No change since Oct 31, 2026 · 4.60% APY
TotalBank
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
36-month online CD
$25,000
4.50%
▲ 1.51% above Florida avg
▼
Rate4.40%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.99%▲ 1.51% above avgNationally 2.82%
Details
Online Only; $25,000 minimum deposit to open and earn APY; maximum $1,000,000 per client
Rate History
1 change since Sep 18, 2026 · 3.76% → 4.50% ▲ 0.74 pts · high 4.50% / low 3.76%
- Oct 2, 20264.50%▲ from 3.76%
- Sep 18, 20263.76%first recorded
Ficare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
3 Year Certificate
$0
4.50%
▲ 1.51% above Florida avg
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average2.99%▲ 1.51% above avgNationally 2.82%
Details
Balance: $500 - $49,999
Rate History
1 change since Oct 22, 2026 · 3.65% → 4.50% ▲ 0.85 pts · high 4.50% / low 3.65%
- Oct 30, 20264.50%▲ from 3.65%
- Oct 22, 20263.65%first recorded
Saint Petersburg 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
8950 9th St N Ste 130, Saint Petersburg, FL 33702 3000
4-Year Share Certificate
$1,000
4.20%
▲ 1.27% above Florida avg
▼
Rate4.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average2.93%▲ 1.27% above avgNationally 2.81%
Details
Penalty for early withdrawal: 9 Months Dividends
Rate History
1 change since Sep 14, 2026 · 4.03% → 4.20% ▲ 0.17 pts · high 4.20% / low 4.03%
- Oct 15, 20264.20%▲ from 4.03%
- Sep 14, 20264.03%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6300 4th St N, Saint Petersburg, FL 33702
Certificate of Deposit - 48 Month
$1,000
4.15%
▲ 1.22% above Florida avg
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Florida Average2.93%▲ 1.22% above avgNationally 2.81%
Details
Partial withdrawals allowed; APY as of 10/20/2026
Rate History
No change since Oct 21, 2026 · 4.15% APY · checked 3 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6300 4th St N, Saint Petersburg, FL 33702
Certificates of Deposit - 48 Month
$1,000
4.15%
▲ 1.22% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Florida Average2.93%▲ 1.22% above avgNationally 2.81%
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
- Oct 21, 20264.15%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6300 4th St N, Saint Petersburg, FL 33702
IRA - Individual Retirement Accounts - 48-Month
$1,000
4.15%
▲ 1.22% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Florida Average2.93%▲ 1.22% above avgNationally 2.81%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
- Oct 7, 20264.15%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6300 4th St N, Saint Petersburg, FL 33702
IRA Certificate - 48-Month
$1,000
4.15%
▲ 1.22% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Florida Average2.93%▲ 1.22% above avgNationally 2.81%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
No change since Oct 21, 2026 · 4.15% APY · checked 3 times
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
2120 34th St S, Saint Petersburg, FL 33711
48 Month Jumbo Certificate
$0
4.00%
▲ 1.07% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average2.93%▲ 1.07% above avgNationally 2.81%
Details
Rate Type: Fixed
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 9 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2180 4th St N, Saint Petersburg, FL 33704
48 Month IRA/HSA CD - VIP Bonus
$500
3.90%
▲ 0.97% above Florida avg
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average2.93%▲ 0.97% above avgNationally 2.81%
Details
VIP Relationship Reward Bonus
Rate History
No change since Oct 13, 2026 · 3.90% APY · checked 4 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
3629 11th Ave N, Saint Petersburg, FL 33713
48 Month IRA CD
$500
3.75%
▲ 0.82% above Florida avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average2.93%▲ 0.82% above avgNationally 2.81%
Details
Balance: $100,000 and over; IRA CD; Minimum opening balance of $500 for all CD products
Rate History
No change since Sep 21, 2026 · 3.75% APY · checked 8 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2180 4th St N, Saint Petersburg, FL 33704
48 Month CD - VIP Bonus
$500
3.75%
▲ 0.82% above Florida avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average2.93%▲ 0.82% above avgNationally 2.81%
Details
VIP Relationship Reward Bonus rate
Rate History
No change since Oct 13, 2026 · 3.75% APY · checked 4 times
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
2120 34th St S, Saint Petersburg, FL 33711
48 Month Share Certificate
$0
3.75%
▲ 0.82% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average2.93%▲ 0.82% above avgNationally 2.81%
Details
Rate Type: Fixed
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 9 times
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
2120 34th St S, Saint Petersburg, FL 33711
48 Month Youth Certificate
$0
3.75%
▲ 0.82% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average2.93%▲ 0.82% above avgNationally 2.81%
Details
Rate Type: Fixed
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 9 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
3629 11th Ave N, Saint Petersburg, FL 33713
48 Month IRA CD
$500
3.70%
▲ 0.77% above Florida avg
▼
Rate3.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average2.93%▲ 0.77% above avgNationally 2.81%
Details
Balance: $25,000 and over; IRA CD; Minimum opening balance of $500 for all CD products
Rate History
No change since Sep 21, 2026 · 3.70% APY · checked 8 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
3629 11th Ave N, Saint Petersburg, FL 33713
48 Month CD
$500
3.65%
▲ 0.72% above Florida avg
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average2.93%▲ 0.72% above avgNationally 2.81%
Details
Balance tier: $100,000 minimum to earn interest; Table caption reads '48 month CD'; Call 800.593.2274 or visit a branch to open
Rate History
No change since Sep 21, 2026 · 3.65% APY · checked 8 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
3629 11th Ave N, Saint Petersburg, FL 33713
48 Month IRA CD
$500
3.65%
▲ 0.72% above Florida avg
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average2.93%▲ 0.72% above avgNationally 2.81%
Details
Balance: $500 and over; IRA CD; Minimum opening balance of $500 for all CD products
Rate History
No change since Sep 21, 2026 · 3.65% APY · checked 8 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2180 4th St N, Saint Petersburg, FL 33704
48 Month IRA/HSA CD
$500
3.65%
▲ 0.72% above Florida avg
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average2.93%▲ 0.72% above avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 9 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
3629 11th Ave N, Saint Petersburg, FL 33713
48 Month CD
$500
3.60%
▲ 0.67% above Florida avg
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average2.93%▲ 0.67% above avgNationally 2.81%
Details
Balance tier: $25,000 minimum to earn interest; Table caption reads '48 month CD'; Call 800.593.2274 or visit a branch to open
Rate History
No change since Sep 21, 2026 · 3.60% APY · checked 8 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
3629 11th Ave N, Saint Petersburg, FL 33713
48 Month CD
$500
3.55%
▲ 0.62% above Florida avg
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average2.93%▲ 0.62% above avgNationally 2.81%
Details
Balance tier: $500 minimum to earn interest; Table caption reads '48 month CD'; Call 800.593.2274 or visit a branch to open
Rate History
No change since Sep 21, 2026 · 3.55% APY · checked 8 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2180 4th St N, Saint Petersburg, FL 33704
48 Month CD
$500
3.50%
▲ 0.57% above Florida avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average2.93%▲ 0.57% above avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 9 times
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
777 Pasadena Ave S, Saint Petersburg, FL 33707
CD - 48 Month
$0
3.41%
▲ 0.48% above Florida avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.93%▲ 0.48% above avgNationally 2.81%
Details
Rate History
No change since Oct 20, 2026 · 3.41% APY · checked 3 times
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
1840 4th St N, Saint Petersburg, FL 33704
48-Month Certificate of Deposit
$500
3.05%
▲ 0.12% above Florida avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.93%▲ 0.12% above avgNationally 2.81%
Details
Earn 3.05% APY on balances of $500 or more; Account matures in 48 months; $500 minimum daily balance required to obtain the advertised APY; Fund up to $500,000 online and up to $1,000,000 in a branch
Rate History
No change since Sep 18, 2026 · 3.05% APY · checked 10 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3900 4th St N, Saint Petersburg, FL 33703
4 Year TD Choice CD
$0
1.99%
▼ 0.94% below Florida avg
▼
Rate1.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.93%▼ 0.94% below avgNationally 2.81%
Details
No Longer for Sale
Rate History
No change since Oct 20, 2026 · 1.99% APY · checked 4 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
5900 Central Ave, Saint Petersburg, FL 33707
4-Year Jumbo CD
$100,000
0.50%
▼ 2.43% below Florida avg
▼
Rate0.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average2.93%▼ 2.43% below avgNationally 2.81%
Details
Rate History
No change since Sep 24, 2026 · 0.50% APY · checked 4 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
5900 Central Ave, Saint Petersburg, FL 33707
4-Year Term CD
$1,000
0.50%
▼ 2.43% below Florida avg
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average2.93%▼ 2.43% below avgNationally 2.81%
Details
Rate History
No change since Oct 19, 2026 · 0.50% APY · checked 3 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
5900 Central Ave, Saint Petersburg, FL 33707
Term CD - 4-Year
$1,000
0.50%
▼ 2.43% below Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average2.93%▼ 2.43% below avgNationally 2.81%
Details
Minimum of $1,000 to open your account
Rate History
No change since Oct 19, 2026 · 0.50% APY · checked 3 times
Florida Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
400 16th St N, Saint Petersburg, FL 33705 2023
48 Month Share Certificates - Regular and IRA
$0
0.41%
▼ 2.52% below Florida avg
▼
Rate0.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average2.93%▼ 2.52% below avgNationally 2.81%
Details
Rate History
No change since Oct 19, 2026 · 0.41% APY · checked 3 times
Florida Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
400 16th St N, Saint Petersburg, FL 33705 2023
Share Certificate - Regular and IRA 48 Months
$0
0.41%
▼ 2.52% below Florida avg
▼
Rate0.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average2.93%▼ 2.52% below avgNationally 2.81%
Details
Regular and IRA
Rate History
No change since Oct 19, 2026 · 0.41% APY · checked 3 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
5900 Central Ave, Saint Petersburg, FL 33707
4-Year RampUp CD
$50,000
0.25%
▼ 2.68% below Florida avg
▼
Rate0.25%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average2.93%▼ 2.68% below avgNationally 2.81%
Details
Rate History
No change since Sep 24, 2026 · 0.25% APY · checked 4 times
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
5900 Central Ave, Saint Petersburg, FL 33707
4 Year Certificate of Deposit
$500
0.15%
▼ 2.78% below Florida avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.93%▼ 2.78% below avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 0.15% APY · checked 9 times
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
777 Pasadena Ave S, Saint Petersburg, FL 33707
48 Month Regular CD Account
$0
0.10%
▼ 2.83% below Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.93%▼ 2.83% below avgNationally 2.81%
Details
Type: Regular; Next Steps: Open Now
Rate History
No change since Oct 20, 2026 · 0.10% APY · checked 3 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
3601 34th St N, Saint Petersburg, FL 33713
48 Month Personal Certificate of Deposit
$0
0.05%
▼ 2.88% below Florida avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.93%▼ 2.88% below avgNationally 2.81%
Details
Same rate for all terms 7 days - 60 months; Standard interest rates for all balances ($0.01+); Minimum opening deposit $2,500 for terms from 7 to 31 days; $1,000 for terms from 32 days to 60 months; Rates are accurate as of 5/12/2026
Rate History
No change since Oct 23, 2026 · 0.05% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3801 49th St N, Saint Petersburg, FL 33709
Certificate of Deposit - 48 Months
$1,000
0.03%
▼ 2.90% below Florida avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.93%▼ 2.90% below avgNationally 2.81%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 20, 2026 · 0.03% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3801 49th St N, Saint Petersburg, FL 33709
IRA CD 48 Months
$250
0.03%
▼ 2.90% below Florida avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.93%▼ 2.90% below avgNationally 2.81%
Details
Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3801 49th St N, Saint Petersburg, FL 33709
Certificate of Deposit - 48 Months
$1,000
0.02%
▼ 2.91% below Florida avg
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.93%▼ 2.91% below avgNationally 2.81%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 20, 2026 · 0.02% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3801 49th St N, Saint Petersburg, FL 33709
IRA CD 48 Months
$250
0.02%
▼ 2.91% below Florida avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.93%▼ 2.91% below avgNationally 2.81%
Details
Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3801 49th St N, Saint Petersburg, FL 33709
Certificate of Deposit - 48 Months
$1,000
0.01%
▼ 2.92% below Florida avg
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.93%▼ 2.92% below avgNationally 2.81%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 20, 2026 · 0.01% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3801 49th St N, Saint Petersburg, FL 33709
IRA CD 48 Months
$250
0.01%
▼ 2.92% below Florida avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.93%▼ 2.92% below avgNationally 2.81%
Details
Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 4 times
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
Certificate of Deposit - 48 Months
$0
4.95%
▲ 2.02% above Florida avg
▼
Rate4.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average2.93%▲ 2.02% above avgNationally 2.81%
Details
Rate History
No change since Oct 26, 2026 · 4.95% APY · checked 2 times
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
48 Month CD - Relationship CD
$2,500
4.70%
▲ 1.77% above Florida avg
▼
Rate4.62%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.93%▲ 1.77% above avgNationally 2.81%
Details
Relationship CD; Minimum $2500 to open; Relationship is defined as Direct Deposit Checking
Rate History
No change since Oct 31, 2026 · 4.70% APY
Synchrony Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.55%
Certificate of Deposit - 48 Months
$0
4.65%
▲ 1.72% above Florida avg
▼
Rate4.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Florida Average2.93%▲ 1.72% above avgNationally 2.81%
Details
Rate History
No change since Oct 28, 2026 · 4.65% APY
Synchrony Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.55%
IRA CD - 48 Months
$0
4.65%
▲ 1.72% above Florida avg
▼
Rate4.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Florida Average2.93%▲ 1.72% above avgNationally 2.81%
Details
Rate History
No change since Oct 28, 2026 · 4.65% APY
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
48 Month CDVantage CD
$100,000
4.25%
▲ 1.32% above Florida avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Florida Average2.93%▲ 1.32% above avgNationally 2.81%
Details
Interest Frequency: Semi-annual; Maturity Date: 07-22-2030; Earliest Settlement Date: 07-22-2026; Amount Available: $1,000,000
Rate History
No change since Oct 21, 2026 · 4.25% APY · checked 2 times
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
CDVantage CD - 48 Months
$100,000
4.25%
▲ 1.32% above Florida avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Florida Average2.93%▲ 1.32% above avgNationally 2.81%
Details
Interest Frequency: Semi; Nationally sourced CD offering via CDVantage
Rate History
No change since Oct 21, 2026 · 4.25% APY · checked 2 times
Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
48 Month Term Jumbo Certificate
$50,000
4.25%
▲ 1.32% above Florida avg
▼
Rate4.17%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average2.93%▲ 1.32% above avgNationally 2.81%
Details
Certificate of Deposit Rates; Effective October 2, 2026; Minimum to open jumbo certificate $50,000; Penalty may be imposed for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.95% → 4.25% ▲ 0.30 pts · high 4.25% / low 3.95%
- Oct 10, 20264.25%▲ from 3.95%
- Sep 14, 20263.95%first recorded
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
48 Month CD
$2,500
4.20%
▲ 1.27% above Florida avg
▼
Rate4.14%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.93%▲ 1.27% above avgNationally 2.81%
Details
Minimum $2500 to open
Rate History
No change since Oct 14, 2026 · 4.20% APY · checked 2 times
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
48 Month CDVantage CD
$100,000
4.20%
▲ 1.27% above Florida avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Florida Average2.93%▲ 1.27% above avgNationally 2.81%
Details
Interest Frequency: Monthly; Maturity Date: 07-22-2030; Earliest Settlement Date: 07-22-2026; Amount Available: $1,000,000
Rate History
No change since Oct 21, 2026 · 4.20% APY · checked 2 times
Ficare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
4 Year Certificate
$0
4.20%
▲ 1.27% above Florida avg
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average2.93%▲ 1.27% above avgNationally 2.81%
Details
Balance: $100,000 or more
Rate History
1 change since Oct 22, 2026 · 3.95% → 4.20% ▲ 0.25 pts · high 4.20% / low 3.95%
- Oct 30, 20264.20%▲ from 3.95%
- Oct 22, 20263.95%first recorded
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
IRA Term Certificate - 48 Months
$0
4.18%
▲ 1.25% above Florida avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.93%▲ 1.25% above avgNationally 2.81%
Details
Effective Date: October 1, 2026; All term share accounts are fixed rate accounts
Rate History
No change since Oct 22, 2026 · 4.18% APY · checked 3 times
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
Term Certificate - 48 Months
$0
4.18%
▲ 1.25% above Florida avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.93%▲ 1.25% above avgNationally 2.81%
Details
Effective Date: October 1, 2026
Rate History
No change since Oct 22, 2026 · 4.18% APY · checked 3 times
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificate - 48 Month
$0
4.17%
▲ 1.24% above Florida avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average2.93%▲ 1.24% above avgNationally 2.81%
Details
Effective as of Thursday, October 29th, 2026; Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal
Rate History
1 change since Oct 23, 2026 · 4.12% → 4.17% ▲ 0.05 pts · high 4.17% / low 4.12%
- Oct 29, 20264.17%▲ from 4.12%
- Oct 23, 20264.12%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificate - 48 Month
$0
4.17%
▲ 1.24% above Florida avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average2.93%▲ 1.24% above avgNationally 2.81%
Details
Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply
Rate History
No change since Oct 29, 2026 · 4.17% APY
Saint Petersburg 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
262 37th Ave N, Saint Petersburg, FL 33704
60 Month Bonus CD
$0
4.50%
▲ 1.37% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.13%▲ 1.37% above avgNationally 2.92%
Details
Minimum to Obtain: $500
Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 7 times
Climate First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
182 37th Ave N, Saint Petersburg, FL 33704
60-Month CD
$500
4.39%
▲ 1.26% above Florida avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Florida Average3.13%▲ 1.26% above avgNationally 2.92%
Details
Special Promotion; Personal: $500 minimum opening deposit; Business: $1000 minimum opening deposit; Maximize your savings over five years; 90 days interest penalty for early withdrawal
Rate History
No change since Sep 14, 2026 · 4.39% APY · checked 8 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6300 4th St N, Saint Petersburg, FL 33702
Certificate of Deposit - 60 Month
$1,000
4.25%
▲ 1.12% above Florida avg
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Florida Average3.13%▲ 1.12% above avgNationally 2.92%
Details
Partial withdrawals allowed; APY as of 10/20/2026
Rate History
No change since Oct 21, 2026 · 4.25% APY · checked 3 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6300 4th St N, Saint Petersburg, FL 33702
Certificates of Deposit - 60 Month
$1,000
4.25%
▲ 1.12% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Florida Average3.13%▲ 1.12% above avgNationally 2.92%
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
- Oct 21, 20264.25%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6300 4th St N, Saint Petersburg, FL 33702
IRA - Individual Retirement Accounts - 60-Month
$1,000
4.25%
▲ 1.12% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Florida Average3.13%▲ 1.12% above avgNationally 2.92%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
- Oct 7, 20264.25%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6300 4th St N, Saint Petersburg, FL 33702
IRA Certificate - 60-Month
$1,000
4.25%
▲ 1.12% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Florida Average3.13%▲ 1.12% above avgNationally 2.92%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
No change since Oct 21, 2026 · 4.25% APY · checked 3 times
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
8950 9th St N Ste 130, Saint Petersburg, FL 33702 3000
5-Year Share Certificate
$1,000
4.25%
▲ 1.12% above Florida avg
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.13%▲ 1.12% above avgNationally 2.92%
Details
Penalty for early withdrawal: 9 Months Dividends
Rate History
1 change since Sep 14, 2026 · 4.08% → 4.25% ▲ 0.17 pts · high 4.25% / low 4.08%
- Oct 15, 20264.25%▲ from 4.08%
- Sep 14, 20264.08%first recorded
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2180 4th St N, Saint Petersburg, FL 33704
60 Month IRA/HSA CD - VIP Bonus
$500
4.15%
▲ 1.02% above Florida avg
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.13%▲ 1.02% above avgNationally 2.92%
Details
VIP Relationship Reward Bonus
Rate History
No change since Oct 13, 2026 · 4.15% APY · checked 4 times
Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
7301 Dr Martin Luther King Jr St N, Saint Petersburg, FL 33702 5209
60 Month Certificate Account
$0
4.02%
▲ 0.89% above Florida avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.13%▲ 0.89% above avgNationally 2.92%
Details
Balance: $100,000+
Rate History
No change since Sep 17, 2026 · 4.02% APY · checked 5 times
Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
7301 Dr Martin Luther King Jr St N, Saint Petersburg, FL 33702 5209
60 Month IRA Certificate Account
$0
4.02%
▲ 0.89% above Florida avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.13%▲ 0.89% above avgNationally 2.92%
Details
Balance: $100,000 and over
Rate History
No change since Sep 17, 2026 · 4.02% APY · checked 7 times
Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
7301 Dr Martin Luther King Jr St N, Saint Petersburg, FL 33702 5209
Certificate Account - 60 months
$0
4.02%
▲ 0.89% above Florida avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.13%▲ 0.89% above avgNationally 2.92%
Details
Balance: $100,000+
Rate History
No change since Oct 23, 2026 · 4.02% APY · checked 2 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2180 4th St N, Saint Petersburg, FL 33704
60 Month CD - VIP Bonus
$500
4.00%
▲ 0.87% above Florida avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.13%▲ 0.87% above avgNationally 2.92%
Details
VIP Relationship Reward Bonus rate
Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 4 times
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
2120 34th St S, Saint Petersburg, FL 33711
60 Month Jumbo Certificate
$0
4.00%
▲ 0.87% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.13%▲ 0.87% above avgNationally 2.92%
Details
Rate Type: Fixed
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 9 times
Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
7301 Dr Martin Luther King Jr St N, Saint Petersburg, FL 33702 5209
60 Month Certificate Account
$0
3.92%
▲ 0.79% above Florida avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.13%▲ 0.79% above avgNationally 2.92%
Details
Balance: $500 - $99,999.99
Rate History
No change since Sep 17, 2026 · 3.92% APY · checked 5 times
Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
7301 Dr Martin Luther King Jr St N, Saint Petersburg, FL 33702 5209
60 Month IRA Certificate Account
$0
3.92%
▲ 0.79% above Florida avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.13%▲ 0.79% above avgNationally 2.92%
Details
Balance: $500 - $99,999.99
Rate History
No change since Sep 17, 2026 · 3.92% APY · checked 7 times
Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
7301 Dr Martin Luther King Jr St N, Saint Petersburg, FL 33702 5209
Certificate Account - 60 months
$0
3.92%
▲ 0.79% above Florida avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.13%▲ 0.79% above avgNationally 2.92%
Details
Balance: $500 - $99,999.99
Rate History
No change since Oct 23, 2026 · 3.92% APY · checked 2 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2180 4th St N, Saint Petersburg, FL 33704
60 Mo. IRA CD VIP
$0
3.90%
▲ 0.77% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.13%▲ 0.77% above avgNationally 2.92%
Details
IRA certificate; VIP bonus rate
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 8 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2180 4th St N, Saint Petersburg, FL 33704
60 Month IRA/HSA CD
$500
3.90%
▲ 0.77% above Florida avg
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.13%▲ 0.77% above avgNationally 2.92%
Details
Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 9 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
3629 11th Ave N, Saint Petersburg, FL 33713
60 Month IRA CD
$500
3.85%
▲ 0.72% above Florida avg
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.13%▲ 0.72% above avgNationally 2.92%
Details
Balance tier: $100,000 minimum to earn interest; Minimum opening balance of $500 required for all CD products; Call 800.593.2274 or visit a branch to open
Rate History
No change since Sep 18, 2026 · 3.85% APY · checked 9 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
3629 11th Ave N, Saint Petersburg, FL 33713
60 Month IRA CD
$500
3.80%
▲ 0.67% above Florida avg
▼
Rate3.73%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.13%▲ 0.67% above avgNationally 2.92%
Details
Balance tier: $25,000 minimum to earn interest; Minimum opening balance of $500 required for all CD products; Call 800.593.2274 or visit a branch to open
Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 9 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
3629 11th Ave N, Saint Petersburg, FL 33713
60 Month CD
$0
3.75%
▲ 0.62% above Florida avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.13%▲ 0.62% above avgNationally 2.92%
Details
Balance: $100,000 minimum to earn interest; rates from the table captioned '60 month CD'
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 10 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
3629 11th Ave N, Saint Petersburg, FL 33713
60 Month IRA CD
$500
3.75%
▲ 0.62% above Florida avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.13%▲ 0.62% above avgNationally 2.92%
Details
Balance tier: $500 minimum to earn interest; Minimum opening balance of $500 required for all CD products; Call 800.593.2274 or visit a branch to open
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 9 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2180 4th St N, Saint Petersburg, FL 33704
60 Month CD
$500
3.75%
▲ 0.62% above Florida avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.13%▲ 0.62% above avgNationally 2.92%
Details
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 9 times
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
2120 34th St S, Saint Petersburg, FL 33711
60 Month Share Certificate
$0
3.75%
▲ 0.62% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.13%▲ 0.62% above avgNationally 2.92%
Details
Rate Type: Fixed
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 9 times
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
2120 34th St S, Saint Petersburg, FL 33711
60 Month Youth Certificate
$0
3.75%
▲ 0.62% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.13%▲ 0.62% above avgNationally 2.92%
Details
Rate Type: Fixed
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 9 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
3629 11th Ave N, Saint Petersburg, FL 33713
60 Month CD
$0
3.70%
▲ 0.57% above Florida avg
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.13%▲ 0.57% above avgNationally 2.92%
Details
Balance: $25,000 minimum to earn interest; rates from the table captioned '60 month CD'
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 10 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
3629 11th Ave N, Saint Petersburg, FL 33713
60 Month CD
$0
3.65%
▲ 0.52% above Florida avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.13%▲ 0.52% above avgNationally 2.92%
Details
Balance: $500 minimum to earn interest; rates from the table captioned '60 month CD'
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 10 times
RBMAX
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6300 4th St N, Saint Petersburg, FL 33702
CD - 60 Month
$1,000
3.50%
▲ 0.37% above Florida avg
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.13%▲ 0.37% above avgNationally 2.92%
Details
Partial withdrawals allowed; $100,000 maximum deposit per CD product; Annual Percentage Yield as of 10/19/2026
Rate History
No change since Oct 20, 2026 · 3.50% APY · checked 3 times
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
777 Pasadena Ave S, Saint Petersburg, FL 33707
CD - 60 Month
$0
3.41%
▲ 0.28% above Florida avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.13%▲ 0.28% above avgNationally 2.92%
Details
Rate History
No change since Oct 20, 2026 · 3.41% APY · checked 3 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3900 4th St N, Saint Petersburg, FL 33703
5 Year TD Choice CD
$250
2.00%
▼ 1.13% below Florida avg
▼
Rate1.98%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.13%▼ 1.13% below avgNationally 2.92%
Details
Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 4 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3900 4th St N, Saint Petersburg, FL 33703
5 Year TD Choice CD
$250
1.99%
▼ 1.14% below Florida avg
▼
Rate1.97%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.13%▼ 1.14% below avgNationally 2.92%
Details
Non-Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 1.99% APY · checked 4 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
5900 Central Ave, Saint Petersburg, FL 33707
5-Year Jumbo CD
$100,000
0.50%
▼ 2.63% below Florida avg
▼
Rate0.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.13%▼ 2.63% below avgNationally 2.92%
Details
Rate History
No change since Sep 24, 2026 · 0.50% APY · checked 4 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
5900 Central Ave, Saint Petersburg, FL 33707
5-Year Term CD
$1,000
0.50%
▼ 2.63% below Florida avg
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.13%▼ 2.63% below avgNationally 2.92%
Details
Rate History
No change since Oct 19, 2026 · 0.50% APY · checked 3 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
5900 Central Ave, Saint Petersburg, FL 33707
Term CD - 5-Year
$1,000
0.50%
▼ 2.63% below Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.13%▼ 2.63% below avgNationally 2.92%
Details
Minimum of $1,000 to open your account
Rate History
No change since Oct 19, 2026 · 0.50% APY · checked 3 times
Florida Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
400 16th St N, Saint Petersburg, FL 33705 2023
60 Month Share Certificates - Regular and IRA
$0
0.46%
▼ 2.67% below Florida avg
▼
Rate0.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.13%▼ 2.67% below avgNationally 2.92%
Details
Rate History
No change since Oct 19, 2026 · 0.46% APY · checked 3 times
Florida Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
400 16th St N, Saint Petersburg, FL 33705 2023
Share Certificate - Regular and IRA 60 Months
$0
0.46%
▼ 2.67% below Florida avg
▼
Rate0.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.13%▼ 2.67% below avgNationally 2.92%
Details
Regular and IRA
Rate History
No change since Oct 19, 2026 · 0.46% APY · checked 3 times
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
777 Pasadena Ave S, Saint Petersburg, FL 33707
60 Month Regular CD Account
$0
0.10%
▼ 3.03% below Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.13%▼ 3.03% below avgNationally 2.92%
Details
Type: Regular; Next Steps: Open Now
Rate History
No change since Oct 20, 2026 · 0.10% APY · checked 3 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
3601 34th St N, Saint Petersburg, FL 33713
60 Month Personal Certificate of Deposit
$0
0.05%
▼ 3.08% below Florida avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.13%▼ 3.08% below avgNationally 2.92%
Details
Same rate for all terms 7 days - 60 months; Standard interest rates for all balances ($0.01+); Minimum opening deposit $2,500 for terms from 7 to 31 days; $1,000 for terms from 32 days to 60 months; Rates are accurate as of 5/12/2026
Rate History
No change since Oct 23, 2026 · 0.05% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3801 49th St N, Saint Petersburg, FL 33709
Certificate of Deposit - 60 Months
$1,000
0.03%
▼ 3.10% below Florida avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.13%▼ 3.10% below avgNationally 2.92%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 20, 2026 · 0.03% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3801 49th St N, Saint Petersburg, FL 33709
IRA CD 60 Months
$250
0.03%
▼ 3.10% below Florida avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.13%▼ 3.10% below avgNationally 2.92%
Details
Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3801 49th St N, Saint Petersburg, FL 33709
Certificate of Deposit - 60 Months
$1,000
0.02%
▼ 3.11% below Florida avg
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.13%▼ 3.11% below avgNationally 2.92%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 20, 2026 · 0.02% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3801 49th St N, Saint Petersburg, FL 33709
IRA CD 60 Months
$250
0.02%
▼ 3.11% below Florida avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.13%▼ 3.11% below avgNationally 2.92%
Details
Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3801 49th St N, Saint Petersburg, FL 33709
Certificate of Deposit - 60 Months
$1,000
0.01%
▼ 3.12% below Florida avg
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.13%▼ 3.12% below avgNationally 2.92%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 20, 2026 · 0.01% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3801 49th St N, Saint Petersburg, FL 33709
IRA CD 60 Months
$250
0.01%
▼ 3.12% below Florida avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.13%▼ 3.12% below avgNationally 2.92%
Details
Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 4 times
Brightstar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
5-Year Certificate
$500
5.00%
▲ 1.87% above Florida avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.13%▲ 1.87% above avgNationally 2.92%
Details
Platinum Star Member tier
Rate History
No change since Oct 1, 2026 · 5.00% APY · checked 4 times
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
Certificate of Deposit - 60 Months
$0
5.00%
▲ 1.87% above Florida avg
▼
Rate4.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.13%▲ 1.87% above avgNationally 2.92%
Details
Rate History
No change since Oct 26, 2026 · 5.00% APY · checked 2 times
Synchrony Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.55%
Certificate of Deposit - 60 Months
$0
4.75%
▲ 1.62% above Florida avg
▼
Rate4.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Florida Average3.13%▲ 1.62% above avgNationally 2.92%
Details
Rate History
No change since Oct 28, 2026 · 4.75% APY
Synchrony Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.55%
IRA CD - 60 Months
$0
4.75%
▲ 1.62% above Florida avg
▼
Rate4.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Florida Average3.13%▲ 1.62% above avgNationally 2.92%
Details
Rate History
No change since Oct 28, 2026 · 4.75% APY
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
60 Month CD - Relationship CD
$2,500
4.75%
▲ 1.62% above Florida avg
▼
Rate4.67%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.13%▲ 1.62% above avgNationally 2.92%
Details
Relationship CD; Minimum $2500 to open; Relationship is defined as Direct Deposit Checking
Rate History
No change since Oct 31, 2026 · 4.75% APY
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
Jumbo 60 Month Certificates
$75,000
4.75%
▲ 1.62% above Florida avg
▼
Rate4.67%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.13%▲ 1.62% above avgNationally 2.92%
Details
Jumbo Share & IRA Certificates; Early Withdrawal Penalty: 180 days interest
Rate History
1 change since Sep 14, 2026 · 4.35% → 4.75% ▲ 0.40 pts · high 4.75% / low 4.35%
- Oct 14, 20264.75%▲ from 4.35%
- Sep 14, 20264.35%first recorded
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MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
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Saint Petersburg, FL CD Rate Trends
Compare local Saint Petersburg, FL CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
12-Month CD FL Avg
3.221%
▲ 0.024 vs 7 days ago
Florida 12-month CD rates rose 0.024 points over the past 7 days to 3.221% APY.
6-Month CD FL Avg
3.009%
▼ 0.007 vs 7 days ago
Florida 6-month CD rates fell 0.007 points over the past 7 days to 3.009% APY.
As of Oct 31, 2026 • Rate data sourced from 8,500+ monitored institutions
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FL CD Rate Forecast, Next 12 Months
Where are Florida CD rates headed through October 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
FL 12-Month Avg APY
3.221%
6-Month Forecast
3.221%
Range: 3.02%, 3.37%
12-Month Forecast
3.471%
Range: 3.27%, 3.62%
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What Your Savings Earn at FL CD Rates Today
Annual interest earnings at today’s Florida average APYs. State average used where available; national average as fallback.
| CD Term | FL Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.030% | $101.51 | $203.01 | $507.53 | $1,015.05 |
| 6-Month CD | 3.009% | $150.44 | $300.88 | $752.20 | $1,504.40 |
| 12-Month CD | 3.221% | $161.02 | $322.05 | $805.12 | $1,610.25 |
| 18-Month CD | 3.218% | $160.92 | $321.83 | $804.58 | $1,609.15 |
| 24-Month CD | 3.151% | $157.55 | $315.09 | $787.73 | $1,575.45 |
| 36-Month CD | 2.987% | $149.33 | $298.67 | $746.68 | $1,493.35 |
| 48-Month CD | 2.931% | $146.55 | $293.09 | $732.72 | $1,465.45 |
| 60-Month CD | 3.135% | $156.73 | $313.45 | $783.63 | $1,567.25 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 31, 2026. | |||||
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Sample CD Ladder for Saint Petersburg, Florida Savers
$25,000 split equally across 5 terms using today’s Florida average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | FL Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.030% | $101.51 |
| 2 | 6-Month CD | $5,000 | 3.009% | $150.44 |
| 3 | 12-Month CD | $5,000 | 3.221% | $161.02 |
| 4 | 24-Month CD | $5,000 | 3.151% | $157.55 |
| 5 | 36-Month CD | $5,000 | 2.987% | $149.33 |
| Total ($25,000 invested) | $25,000 | 2.879% blended | $719.85/yr | |
Ladder example uses equal $5,000 rungs and Florida average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
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2,074
CD Rates
Tracked in Saint Petersburg, Florida
Tracked in Saint Petersburg, Florida
47 Banks
59 Credit Unions
About Our Saint Petersburg, Florida CD Rate Database
MonitorBankRates tracks 2,074 CD rates from 47 banks and 59 credit unions with locations in Saint Petersburg, Florida, plus national online institutions available to Florida residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: Third Federal Savings and Loan offers a CD at 4.75% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Saint Petersburg, Florida.
How to Find the Best CD Rates in Saint Petersburg, Florida
What to compare when shopping for a CD in Saint Petersburg, Florida
To find the best APYs in Saint Petersburg, Florida, start with credit unions and online-only banks: Saint Petersburg, Florida has 59 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in Saint Petersburg, Florida
- You have a planned expense coming up and want your savings to earn while you wait
- You expect rates to fall and want to lock in today’s rate
- You want FDIC or NCUA protection with a guaranteed fixed return
- You prefer banking with an institution that has a local branch in Saint Petersburg, Florida: 106 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Saint Petersburg, Florida savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare Saint Petersburg, Florida money market rates
Florida Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024 (state-level data shown; city data not available)
Population 65+
21.3%
National avg: 17.3%
Median Individual Earnings
$41,891
National avg: $47,340
Poverty Rate
12.6%
National avg: 11.1%
Unemployment Rate
4.8%
National avg: 4.8%
CD Earnings on 10% of Salary
$135/yr
At FL 12-mo avg 3.221% APY
21.3% of residents are 65 or older, above the national average of 17.3%, making fixed-rate CDs a particularly relevant savings vehicle in this market. At today’s FL 12-month CD average of 3.221%, saving 10% of the local median salary ($4,189/year) and putting it in a CD would earn an additional $135 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in Saint Petersburg, Florida
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90 to 180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
CD Product Information
How CDs Work
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Saint Petersburg, Florida typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Saint Petersburg, Florida as everywhere in the U.S.
CD Terms
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Saint Petersburg, Florida savers easier access to their funds. For example, Third Federal Savings and Loan is offering its 6 Month Bonus CD at 4.75% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Third Federal Savings and Loan is offering its 60 Month Bonus CD at 4.50% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Saint Petersburg, Florida saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Saint Petersburg, Florida CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates
Most CDs carry a fixed rate that is locked for the entire term, protecting a Saint Petersburg, Florida depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.
Frequently Asked Questions about CD Rates in Saint Petersburg, Florida
What are CD rates in Saint Petersburg, Florida today?
Saint Petersburg, Florida CD rates range from 0.01% to 5.00% APY as of October 31, 2026, verified by MonitorBankRates. Top rates include 4.75% APY at Third Federal Savings and Loan (6 Month Bonus CD), 4.50% at Suncoast Credit Union (18 Month Jumbo Certificate) and 4.46% at Climate First Bank (12-Month Penalty-Free CD), compared with the MonitorBankRates national 12 month average of 3.01% APY.
Are CD rates in Saint Petersburg, Florida FDIC insured?
Yes, most established banks in Saint Petersburg, Florida are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.
Do I have to pay state taxes on CD interest in Saint Petersburg, Florida?
Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in Saint Petersburg, Florida.
Can I withdraw my money early from a CD?
You can, but most institutions charge an Early Withdrawal Penalty, typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.
What is the difference between a Jumbo CD and a regular CD?
Jumbo CDs require a higher minimum deposit, traditionally $100,000 or more. In exchange, banks in Saint Petersburg, Florida may offer slightly higher APYs compared to standard CDs.
Are fixed-rate CDs better than variable-rate CDs?
Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.
What is a CD ladder?
A CD ladder involves opening multiple CDs with staggered maturity dates, for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.
Best CD rates in Saint Petersburg, Florida?
Here are recent top rates found for this area:
- Third Federal Savings and Loan: 4.75% APY (6 Month Bonus CD)
- Suncoast Credit Union: 4.50% APY (18 Month Jumbo Certificate)
- Climate First Bank: 4.46% APY (12-Month Penalty-Free CD)
- TD Bank: 4.30% APY (24 Month TD Choice CD)
- Hancock Whitney Bank: 4.25% APY (24-Month Certificate of Deposit)
- Republic Bank & Trust Company: 4.25% APY (Certificate of Deposit - 60 Month)
- SUMA Federal Credit Union: 4.25% APY (5-Year Share Certificate)
- LMCU Lake Michigan Credit Union: 4.15% APY (60 Month IRA/HSA CD - VIP Bonus)
- Achieva Credit Union: 4.10% APY (6 Month IRA CD)
- Grow Financial Federal Credit Union: 4.02% APY (60 Month Certificate Account)
Rates reflect recent verified offers available in Saint Petersburg, Florida. Last Updated: October 31, 2026
Saint Petersburg, Florida CD Calculator
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Saint Petersburg, Florida rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.
CD Calculators for Saint Petersburg, Florida
Saint Petersburg, Florida CD Calculator
At today’s FL top rate of 4.75% APY, a $10,000 deposit earns $475 in the first year. Enter your amount to see your exact return.
Saint Petersburg, Florida CD LadderFL CD rates currently range from 2.030% (3-month) to 2.987% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Saint Petersburg, Florida CD at 4.75% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsFlorida’s average 12-month CD is 3.221% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Saint Petersburg, Florida CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Saint Petersburg, Florida directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Saint Petersburg, Florida. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in FL.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 31, 2026
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