St Petersburg, Florida Best CD Rates November 2026
Brian McKay
Brian McKay
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St Petersburg, Florida CD rates range from 0.05% to 5.00% APY, verified by MonitorBankRates as of November 12, 2026. Current St Petersburg, Florida CD rates include Suncoast Credit UnionSuncoast Credit Union1022 Central Ave, St Petersburg, FL 33705A5.0 ★Texas Ratio: 6.26%Real return: +0.80%APY minus CPIRate verified Nov 9, 2026 offering 18 Month Jumbo Certificate at 4.50% APY, Dfcu Financial Credit UnionDfcu Financial Credit Union300 1st Ave S, St Petersburg, FL 33701 4209A+5.0 ★Texas Ratio: 1.86%Real return: +0.70%APY minus CPIRate verified Nov 8, 2026 offering 2 Year Share Certificate at 4.40% APY, Navy Federal Credit UnionNavy Federal Credit Union2172 Tyrone Blvd N, St Petersburg, FL 33710A5.0 ★Texas Ratio: 8.14%Real return: +0.65%APY minus CPIRate verified Nov 11, 2026 offering 12 Month Special EasyStart Certificate at 4.35% APY, GTE Federal Credit UnionGTE Federal Credit Union4584 38th Ave N, St Petersburg, FL 33713A5.0 ★Texas Ratio: 7.65%Real return: +0.63%APY minus CPIRate verified Nov 12, 2026 offering 12 Month Jumbo Share Certificate at 4.33% APY, and TD BankTD Bank3655 50th Ave S, St Petersburg, FL 33711A+5.0 ★Texas Ratio: 3.71%Real return: +0.60%APY minus CPIRate verified Nov 11, 2026 offering 24 Month TD Choice CD at 4.30% APY. CD rates as of November 12, 2026 according to verified data from MonitorBankRates.
St Petersburg has 177 local institutions in our database, with CD rates as high as 4.50% APY from Suncoast Credit Union at 1022 Central Ave, St Petersburg, FL 33705. 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: November 12, 2026
Compare Best CD Rates in St Petersburg, Florida & the Surrounding Area
St Petersburg 3 Month CD Rates
Balance: $1,000 to $24,999
Balance: $1,000 to $24,999
Balance: $500 minimum to earn interest
Balance: Minimum Balance to Earn Interest $500
Promotional Rates; Balance: $0.01-$9,999.99
Non-Promotional Rates; Balance: $0.01-$9,999.99
Balance: $100K minimum; Share, IRA, ESA; Rates as of Nov 10, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly
Balance: $1K minimum; Share, IRA, ESA; Rates as of Nov 10, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly
Relationship Interest Rate; Balance: $0 - $4,999.99; CA Bay Area counties only; early withdrawal penalties may apply
Balance: $0 - $4,999.99; CA Bay Area counties only; early withdrawal penalties may apply
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
Personal: $500 minimum opening deposit; Business: $1000 minimum opening deposit; Short-term savings with penalty-free access; No penalty for early withdrawals
St Petersburg 6 Month CD Rates
Balance: $1,000 to $24,999
Balance: $100,000 minimum to earn interest; A minimum opening balance of $500 is required for all CD products
Balance: $25,000 minimum to earn interest; A minimum opening balance of $500 is required for all CD products
Minimum balance to earn interest: $100,000
Balance: $100,000 minimum to earn interest
Balance: $500 minimum to earn interest; A minimum opening balance of $500 is required for all CD products
Balance: $1,000 to $24,999; Tier APY 1
Minimum balance to earn interest: $25,000
Balance: $25,000 minimum to earn interest
Rate Type: Fixed
Minimum balance to earn interest: $500
Balance: $500 minimum to earn interest
Rate Type: Fixed
Rate Type: Fixed
Opening deposit of $100,000 or more; APY accurate as of 11/2/2026
St Petersburg 12 Month CD Rates
Opening deposit of $100,000 or more; APY accurate as of 11/2/2026
- Nov 2, 20264.33%▲ from 3.82%
- Oct 15, 20263.82%first recorded
Promotional Rates; Balance: $0.01-$9,999.99
Non-Promotional Rates; Balance: $0.01-$9,999.99
Balance: $100K minimum; Share, IRA, ESA; Rates as of Nov 10, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly
Dividend rate 4.00%; APY accurate as of 11/2/2026
- Nov 2, 20264.07%▲ from 3.56%
- Sep 25, 20263.56%first recorded
Balance: $1K minimum; Share, IRA, ESA; Rates as of Nov 10, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly
Share, IRA, ESA certificates; Rates as of Nov 10, 2026 ET; Penalties apply for early withdrawals
Rate Type: Fixed
Balance: $500+; Traditional and Roth IRA Certificates
Minimum balance to earn interest: $100,000; Call 800.593.2274 or visit a branch to open your CD
Rate Type: Fixed
Rate Type: Fixed
Rate Type: Fixed
St Petersburg 18 Month CD Rates
Rate Type: Fixed
Rate Type: Fixed
Rate Type: Fixed
Promotional Rates; Balance: $0.01-$9,999.99
Non-Promotional Rates; Balance: $0.01-$9,999.99
Minimum balance to earn interest: $500
Share, IRA, ESA certificates; Rates as of Nov 10, 2026 ET; Penalties apply for early withdrawals
Balance: $100K minimum; Share, IRA, ESA; Rates as of Nov 10, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly
- Nov 11, 20263.60%▼ from 4.15%
- Oct 20, 20264.15%first recorded
Opening deposit of $100,000 or more; APY accurate as of 11/2/2026
Balance: $1K minimum; Share, IRA, ESA; Rates as of Nov 10, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly
- Nov 11, 20263.55%▼ from 4.10%
- Oct 20, 20264.10%first recorded
Balance: $100,000 and up; Dividends compounded quarterly
Balance: $25,000 to $99,999; Dividends compounded quarterly
Dividend rate 3.25%; APY accurate as of 11/2/2026
Balance: $1,000 to $24,999; Dividends compounded quarterly
St Petersburg 24 Month CD Rates
Balance: $1,000 to $24,999; Rates effective as of 11/03/2026
Balance: $25,000 to $99,999
Promotional Rates; Balance: $0.01-$9,999.99
Non-Promotional Rates; Balance: $0.01-$9,999.99
Rate Type: Fixed
Minimum Balance to Earn Interest: $500
Balance: $500.00 - $24,999.99; Minimum balance to earn interest: $500
Rate Type: Fixed
Rate Type: Fixed
Balance: $100K minimum; Share, IRA, ESA; Rates as of Nov 10, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly
Balance: $1K minimum; Share, IRA, ESA; Rates as of Nov 10, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly
Opening deposit of $100,000 or more; APY accurate as of 11/2/2026
Share, IRA, ESA certificates; Rates as of Nov 10, 2026 ET; Penalties apply for early withdrawals
Balance: $500+; Traditional and Roth IRA Certificates
St Petersburg 36 Month CD Rates
Rate Type: Fixed
Rate Type: Fixed
Rate Type: Fixed
Minimum to open $1,000; initial deposit cannot exceed $5 million per member or $10 million per address
Share, IRA, ESA; $100K Minimum APY; Penalties apply for early withdrawals
- Nov 11, 20263.80%▼ from 4.15%
- Oct 20, 20264.15%first recorded
Share, IRA, ESA; $1K Minimum APY; Penalties apply for early withdrawals
- Nov 11, 20263.75%▼ from 4.10%
- Oct 20, 20264.10%first recorded
Opening deposit of $100,000 or more; APY accurate as of 11/2/2026
Minimum Balance to Earn Interest: $100,000
Minimum Balance to Earn Interest: $25,000
Minimum balance to earn interest: $100,000
Minimum Balance to Earn Interest: $500
Minimum balance to earn interest: $25,000
Balance: $100,000 and up; Dividends compounded quarterly
Dividend rate 3.40%; APY accurate as of 11/2/2026
St Petersburg 48 Month CD Rates
Rate Type: Fixed
Opening deposit of $100,000 or more; APY accurate as of 11/2/2026
Balance: $100,000 and over; IRA CD; Minimum opening balance of $500 for all CD products
Rate Type: Fixed
Rate Type: Fixed
Balance: $25,000 and over; IRA CD; Minimum opening balance of $500 for all CD products
Balance tier: $100,000 minimum to earn interest; Table caption reads '48 month CD'; Call 800.593.2274 or visit a branch to open
Balance: $500 and over; IRA CD; Minimum opening balance of $500 for all CD products
Balance tier: $25,000 minimum to earn interest; Table caption reads '48 month CD'; Call 800.593.2274 or visit a branch to open
Balance tier: $500 minimum to earn interest; Table caption reads '48 month CD'; Call 800.593.2274 or visit a branch to open
Dividend rate 3.45%; APY accurate as of 11/2/2026
Balance: $500+; Traditional and Roth IRA Certificates
St Petersburg 60 Month CD Rates
Minimum to open $1,000; initial deposit cannot exceed $5 million per member or $10 million per address
Rate Type: Fixed
Share, IRA, ESA; $100K Minimum APY; Penalties apply for early withdrawals
Share, IRA, ESA; $1K Minimum APY; Penalties apply for early withdrawals
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
Opening deposit of $100,000 or more; APY accurate as of 11/2/2026
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
Balance: $100,000 minimum to earn interest; rates from the table captioned '60 month CD'
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 Type: Fixed
Rate Type: Fixed
Balance: $25,000 minimum to earn interest; rates from the table captioned '60 month CD'
Balance: $500 minimum to earn interest; rates from the table captioned '60 month CD'
Dividend rate 3.50%; APY accurate as of 11/2/2026
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
St Petersburg, FL CD Rate Trends
Compare local St 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.
Florida 12-month CD rates fell 0.001 points over the past 7 days to 3.241% APY.
Florida 6-month CD rates rose 0.006 points over the past 7 days to 3.043% APY.
FL CD Rate Forecast, Next 12 Months
Where are Florida CD rates headed through November 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
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 | 2.063% | $103.13 | $206.27 | $515.68 | $1,031.35 |
| 6-Month CD | 3.043% | $152.14 | $304.27 | $760.68 | $1,521.35 |
| 12-Month CD | 3.241% | $162.07 | $324.13 | $810.32 | $1,620.65 |
| 18-Month CD | 3.252% | $162.60 | $325.19 | $812.98 | $1,625.95 |
| 24-Month CD | 3.178% | $158.89 | $317.78 | $794.45 | $1,588.90 |
| 36-Month CD | 3.003% | $150.15 | $300.30 | $750.75 | $1,501.50 |
| 48-Month CD | 2.935% | $146.74 | $293.48 | $733.70 | $1,467.40 |
| 60-Month CD | 3.168% | $158.39 | $316.77 | $791.93 | $1,583.85 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of November 12, 2026. | |||||
Sample CD Ladder for St 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 | 2.063% | $103.13 |
| 2 | 6-Month CD | $5,000 | 3.043% | $152.14 |
| 3 | 12-Month CD | $5,000 | 3.241% | $162.07 |
| 4 | 24-Month CD | $5,000 | 3.178% | $158.89 |
| 5 | 36-Month CD | $5,000 | 3.003% | $150.15 |
| Total ($25,000 invested) | $25,000 | 2.906% blended | $726.38/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.
Tracked in St Petersburg, Florida
About Our St Petersburg, Florida CD Rate Database
MonitorBankRates tracks 2,096 CD rates from 43 banks and 67 credit unions with locations in St 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: Suncoast Credit Union offers a CD at 4.50% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in St Petersburg, Florida.
How to Find the Best CD Rates in St Petersburg, Florida
What to compare when shopping for a CD in St Petersburg, Florida
To find the best APYs in St Petersburg, Florida, start with credit unions and online-only banks: St Petersburg, Florida has 67 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 St 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 St Petersburg, Florida: 110 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare St 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 St 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)
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 3.241%, saving 10% of the local median salary ($4,189/year) and putting it in a CD would earn an additional $136 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 St 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 St 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 St 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 St Petersburg, Florida savers easier access to their funds. For example, Dfcu Financial Credit Union is offering its 6 Month Share Certificate at 4.25% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Midflorida Credit Union is offering its Current CD Special - 60 months at 4.00% 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 St 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 St 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 St 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 St Petersburg, Florida
What are CD rates in St Petersburg, Florida today?
Are CD rates in St Petersburg, Florida FDIC insured?
Do I have to pay state taxes on CD interest in St Petersburg, Florida?
Can I withdraw my money early from a CD?
What is the difference between a Jumbo CD and a regular CD?
Are fixed-rate CDs better than variable-rate CDs?
What is a CD ladder?
Best CD rates in St Petersburg, Florida?
- Suncoast Credit Union: 4.50% APY (18 Month Jumbo Certificate)
- Dfcu Financial Credit Union: 4.40% APY (2 Year Share Certificate)
- Navy Federal Credit Union: 4.35% APY (12 Month Special EasyStart Certificate)
- GTE Federal Credit Union: 4.33% APY (12 Month Jumbo Share Certificate)
- TD Bank: 4.30% APY (24 Month TD Choice CD)
- Achieva Credit Union: 4.10% APY (6 Month IRA CD)
- Pinellas Federal Credit Union: 4.00% APY (Certificate Accounts - 1 Year)
- Midflorida Credit Union: 4.00% APY (Current CD Special - 36 months)
- Truist: 3.25% APY (CD 12 Month)
- Wells Fargo: 1.51% APY (1 Year Standard Fixed Rate CD - Relationship)
St 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 St Petersburg, Florida rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
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 St Petersburg, Florida
At today’s FL top rate of 4.50% APY, a $10,000 deposit earns $450 in the first year. Enter your amount to see your exact return.
St Petersburg, Florida CD LadderFL CD rates currently range from 2.063% (3-month) to 3.003% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a St Petersburg, Florida CD at 4.50% 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 3.241% 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 St 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 St 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 St 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.
St Petersburg, Florida Rates & Resources
