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CD Rate Trends

St Petersburg, Florida Best CD Rates September 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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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.
| ✓Fact Checked | CD Rates Last Updated and Verified: September 28, 2026

Current CD rates in St Petersburg, Florida range from 3.25% to 4.50% APY across the five banks and credit unions featured below, verified by MonitorBankRates as of September 28, 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: +1.70%APY minus CPI (February 2026) offering 18 Month Jumbo Certificate at 4.50% APY, Achieva Credit UnionAchieva Credit Union5500 16th St N, St Petersburg, FL 33703A+5.0 ★Texas Ratio: 2.57%Real return: +1.30%APY minus CPI (February 2026) offering 6 month IRA CD at 4.10% APY, Pinellas Federal Credit UnionPinellas Federal Credit Union3100 5th Ave N, St Petersburg, FL 33713 7610A+5.0 ★Texas Ratio: 3.96%Real return: +1.20%APY minus CPI (February 2026) offering 1 Year Certificate Account at 4.00% APY, GTE Federal Credit UnionGTE Federal Credit Union4584 38th Ave N, St Petersburg, FL 33713A5.0 ★Texas Ratio: 7.65%Real return: +1.02%APY minus CPI (February 2026) offering 12 Month Jumbo Share Certificates at 3.82% APY, and TruistTruist6300 Central Ave, St Petersburg, FL 33707A+5.0 ★Texas Ratio: 3.81%Real return: +0.45%APY minus CPI (February 2026) offering 12-month CD at 3.25% APY. CD rates as of September 28, 2026 according to verified data from MonitorBankRates.

St Petersburg has 144 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: September 28, 2026

Compare Best CD Rates in St Petersburg, Florida & the Surrounding Area

Jump to: 3 Month · 6 Month · 12 Month · 18 Month · 24 Month · 36 Month · 48 Month · 60 Month

St Petersburg 3 Month CD Rates

National 3 Month CD Average2.08% APY▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
5500 16th St N, St Petersburg, FL 33703
3 month CD
$0
2.40% ▲ 0.32% above national avg
View
▼
Rate2.37%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.08%▲ 0.32% above avg
Details

Balance: $500 - $24,999.99

Rate History
No change since Sep 18, 2026 · 2.40% APY · checked 2 times
1.90%2.40%2.90%Sep 18, 2026: 2.40% APYSep 18, 2026Sep 28, 2026
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
5500 16th St N, St Petersburg, FL 33703
Business 3 month CD
$0
2.40% ▲ 0.32% above national avg
View
▼
Rate2.37%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.08%▲ 0.32% above avg
Details

Rate History
No change since Sep 18, 2026 · 2.40% APY · checked 2 times
1.90%2.40%2.90%Sep 18, 2026: 2.40% APYSep 18, 2026Sep 28, 2026
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
2646 4th St N, St Petersburg, FL 33704
3 Month IRA Certificates
$0
1.25% ▼ 0.83% below national avg
View
▼
Rate1.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▼ 0.83% below avg
Details

Rate History
No change since Sep 18, 2026 · 1.25% APY · checked 3 times
0.75%1.25%1.75%Sep 18, 2026: 1.25% APYSep 18, 2026Sep 28, 2026
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
2646 4th St N, St Petersburg, FL 33704
3 Month Regular Certificates
$0
1.25% ▼ 0.83% below national avg
View
▼
Rate1.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▼ 0.83% below avg
Details

Rate History
No change since Sep 18, 2026 · 1.25% APY · checked 3 times
0.75%1.25%1.75%Sep 18, 2026: 1.25% APYSep 18, 2026Sep 28, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
3655 50th Ave S, St Petersburg, FL 33711
3 Month Certificate
$0
1.00% ▼ 1.08% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▼ 1.08% below avg
Details

Balance: $250.00 - $9,999.99

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 3 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Sep 28, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
3655 50th Ave S, St Petersburg, FL 33711
3 Month TD Choice CD
$250
1.00% ▼ 1.08% below national avg
View
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▼ 1.08% below avg
Details

Relationship APY

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Sep 28, 2026
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
3131 66th St N, St Petersburg, FL 33710
3 month Standard Fixed Rate CD - Relationship
$2,500
0.06% ▼ 2.02% below national avg
View
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▼ 2.02% below avg
Details

Balance: $0 - $4,999.99. Additional terms are available at a branch.

Rate History
No change since Sep 27, 2026 · 0.06% APY
0.00%0.28%0.56%Sep 27, 2026: 0.06% APYSep 27, 2026Sep 28, 2026
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
3131 66th St N, St Petersburg, FL 33710
3 month Standard Fixed Rate CD
$2,500
0.05% ▼ 2.03% below national avg
View
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▼ 2.03% below avg
Details

Balance: $0 - $4,999.99. Additional terms are available at a branch.

Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Sep 28, 2026
City National Bank of Florida
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
3-month online CD
$25,000
4.00% ▲ 1.92% above national avg
View
▼
Rate3.92%
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.92% above avg
Details

Available for current 3-Month CD clients only. Online-only high-yield rates. The costs we save by operating exclusively online, we pass along to our clients. Minimum deposit of $25,000 required to earn advertised APY. Maximum amount allowed per client is $1,000,000.

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Sep 28, 2026
Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
3 Month Jumbo Certificates
$0
4.00% ▲ 1.92% above national avg
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.92% above avg
Details

SPECIAL OFFER THRU 9/30/26

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Sep 28, 2026
Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
3 Month Standard Certificates
$0
4.00% ▲ 1.92% above national avg
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.92% above avg
Details

SPECIAL OFFER THRU 9/30/26

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
3 Month CD
$0
3.95% ▲ 1.87% above national avg
View
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.87% above avg
Details

Rate History
No change since Sep 24, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Sep 24, 2026: 3.95% APYSep 24, 2026Sep 28, 2026
Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
3 Month IRA CD
$0
3.75% ▲ 1.67% above national avg
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.08%▲ 1.67% above avg
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 14, 2026: 3.50% APYSep 22, 2026: 3.75% APYSep 14, 2026Sep 28, 2026
  • Sep 22, 20263.75%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
3 Month IRA Jumbo
$0
3.71% ▲ 1.63% above national avg
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.63% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.71% APY · checked 4 times
3.21%3.71%4.21%Sep 14, 2026: 3.71% APYSep 14, 2026Sep 28, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
3 Month Certificate
$1,000
3.66% ▲ 1.58% above national avg
View
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.58% above avg
Details

Rate History
No change since Sep 22, 2026 · 3.66% APY · checked 2 times
3.16%3.66%4.16%Sep 22, 2026: 3.66% APYSep 22, 2026Sep 28, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
3 Month IRA
$0
3.66% ▲ 1.58% above national avg
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.58% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.66% APY · checked 4 times
3.16%3.66%4.16%Sep 14, 2026: 3.66% APYSep 14, 2026Sep 28, 2026
EverBank
Institution Rating:
A5.0 ★Texas Ratio: 12.49%
3 Month Performance CDs
$0
3.60% ▲ 1.52% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.52% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Sep 28, 2026
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
3-Month Certificate of Deposit
$500
3.55% ▲ 1.47% above national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.47% above avg
Details

Earn 3.55% APY on balances of $500 or more.

Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Sep 28, 2026
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
3 Month Rising Rate CD
$0
3.50% ▲ 1.42% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.42% above avg
Details

Rate History
No change since Sep 27, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 27, 2026: 3.50% APYSep 27, 2026Sep 28, 2026
Newtek Bank
Institution Rating:
F1.0 ★Texas Ratio: 73.57%
3 Month CD
$2,500
3.50% ▲ 1.42% above national avg
View
▼
Rate—
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.42% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Sep 28, 2026
Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
3 Month Promotional Share Certificate
$0
3.50% ▲ 1.42% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.08%▲ 1.42% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Sep 28, 2026
Launch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
3 Month Business Share Certificate
$0
3.45% ▲ 1.37% above national avg
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.37% above avg
Details

Existing certificates only - no new accounts offered

Rate History
No change since Sep 18, 2026 · 3.45% APY · checked 3 times
2.95%3.45%3.95%Sep 18, 2026: 3.45% APYSep 18, 2026Sep 28, 2026
Launch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
3 Month Share Certificates
$1,000
3.45% ▲ 1.37% above national avg
View
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.37% above avg
Details

Existing certificates only - no new accounts offered

Rate History
No change since Sep 22, 2026 · 3.45% APY · checked 2 times
2.95%3.45%3.95%Sep 22, 2026: 3.45% APYSep 22, 2026Sep 28, 2026
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
3 Month Term Share Certificates
$1,000
3.40% ▲ 1.32% above national avg
View
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.32% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 3 times
2.90%3.40%3.90%Sep 18, 2026: 3.40% APYSep 18, 2026Sep 28, 2026
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
Jumbo Term Share Certificates - 3 Months
$0
3.40% ▲ 1.32% above national avg
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.32% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 4 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Sep 28, 2026
Axiom Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
3 Month Small Business Certificates of Deposit
$0
3.35% ▲ 1.27% above national avg
View
▼
Rate3.29%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.27% above avg
Details

Rate History
No change since Sep 19, 2026 · 3.35% APY · checked 3 times
2.85%3.35%3.85%Sep 19, 2026: 3.35% APYSep 19, 2026Sep 28, 2026
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
3-Month Share Certificate
$1,000
3.35% ▲ 1.27% above national avg
View
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.08%▲ 1.27% above avg
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%
2.76%3.30%3.85%Sep 14, 2026: 3.26% APYSep 18, 2026: 3.35% APYSep 14, 2026Sep 28, 2026
  • 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%
3 Month IRA/HSA CD
$500
3.30% ▲ 1.22% above national avg
View
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.08%▲ 1.22% above avg
Details

VIP Bonus APY: 3.55%

Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Sep 18, 2026: 3.30% APYSep 18, 2026Sep 28, 2026
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
3-Month Term Certificate
$0
3.25% ▲ 1.17% above national avg
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.17% above avg
Details

Balance: $1,000,000 OR HIGHER

Rate History
No change since Sep 24, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Sep 24, 2026: 3.25% APYSep 24, 2026Sep 28, 2026
Seacoast National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
3-Month CD
$1,000
3.25% ▲ 1.17% above national avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.17% above avg
Details

Offer not available to funds currently on deposit at Seacoast Bank. Special Annual Percentage Yield (APY) applicable to initial term only. At maturity, CD will automatically renew for the same renewal term.

Rate History
No change since Sep 27, 2026 · 3.25% APY
2.75%3.25%3.75%Sep 27, 2026: 3.25% APYSep 27, 2026Sep 28, 2026
First Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
3 Month Certificate
$1,000
3.25% ▲ 1.17% above national avg
View
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.08%▲ 1.17% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Sep 28, 2026
First Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
3 Month IRA Certificate
$1,000
3.25% ▲ 1.17% above national avg
View
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.08%▲ 1.17% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Sep 28, 2026
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
3 Month Certificate
$500
3.25% ▲ 1.17% above national avg
View
▼
Rate3.21%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.17% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Sep 28, 2026
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
3 Month IRA Certificate
$500
3.25% ▲ 1.17% above national avg
View
▼
Rate3.21%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.17% above avg
Details

IRA Certificate

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Sep 28, 2026
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
IRA Certificates - 3 Months
$500
3.25% ▲ 1.17% above national avg
View
▼
Rate3.21%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.17% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Sep 28, 2026
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
3 Month AMP Term Share Certificates
$0
3.25% ▲ 1.17% above national avg
View
▼
Rate3.21%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.17% above avg
Details

Balance: $100

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Sep 28, 2026
Panhandle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
90-Day IRA Certificate
$50
3.25% ▲ 1.17% above national avg
View
▼
Rate3.20%
Min Deposit$50
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.17% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Sep 28, 2026
Panhandle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
90-Day Share Certificate
$1,000
3.25% ▲ 1.17% above national avg
View
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.17% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Sep 28, 2026
Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
3 Month Certificate
$0
3.20% ▲ 1.12% above national avg
View
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.08%▲ 1.12% above avg
Details

Balance: $50,000 or more

Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 3 times
2.70%3.20%3.70%Sep 14, 2026: 3.20% APYSep 14, 2026Sep 28, 2026
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
3-Month Term Certificate
$0
3.15% ▲ 1.07% above national avg
View
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.07% above avg
Details

Balance: $750,000-$999,999.99

Rate History
No change since Sep 24, 2026 · 3.15% APY · checked 2 times
2.65%3.15%3.65%Sep 24, 2026: 3.15% APYSep 24, 2026Sep 28, 2026
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3 Month CD
$500
3.15% ▲ 1.07% above national avg
View
▼
Rate3.11%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.08%▲ 1.07% above avg
Details

VIP Bonus APY: 3.40%

Rate History
No change since Sep 18, 2026 · 3.15% APY · checked 2 times
2.65%3.15%3.65%Sep 18, 2026: 3.15% APYSep 18, 2026Sep 28, 2026
Okaloosa County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
3 Month Certificate
$0
3.14% ▲ 1.06% above national avg
View
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.08%▲ 1.06% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.14% APY · checked 4 times
2.64%3.14%3.64%Sep 14, 2026: 3.14% APYSep 14, 2026Sep 28, 2026
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
Certificates of Deposit (CDs) - 90 Days
$2,000
3.10% ▲ 1.02% above national avg
View
▼
Rate3.05%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.02% above avg
Details

Rate History
1 change since Sep 18, 2026 · 3.05% → 3.10% ▲ 0.05 pts · high 3.10% / low 3.05%
2.55%3.08%3.60%Sep 18, 2026: 3.05% APYSep 27, 2026: 3.10% APYSep 18, 2026Sep 28, 2026
  • Sep 27, 20263.10%▲ from 3.05%
  • Sep 18, 20263.05%first recorded
Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
3 Month Certificate
$0
3.10% ▲ 1.02% above national avg
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.08%▲ 1.02% above avg
Details

Balance: $25,000 - $49,999

Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 3 times
2.60%3.10%3.60%Sep 14, 2026: 3.10% APYSep 14, 2026Sep 28, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Relationship CD - 3 Month
$0
3.05% ▲ 0.97% above national avg
View
▼
Rate3.02%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 0.97% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 4 times
2.55%3.05%3.55%Sep 14, 2026: 3.05% APYSep 14, 2026Sep 28, 2026
Jax Fire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
3 Month Certificate
$500
3.04% ▲ 0.96% above national avg
View
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 0.96% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 4 times
2.54%3.04%3.54%Sep 14, 2026: 3.04% APYSep 14, 2026Sep 28, 2026
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
3-Month Term Certificate
$0
3.00% ▲ 0.92% above national avg
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 0.92% above avg
Details

Balance: $50,000-$99,999.99

Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Sep 24, 2026: 3.00% APYSep 24, 2026Sep 28, 2026
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
3 Month Fixed-Rate CD
$2,500
3.00% ▲ 0.92% above national avg
View
▼
Rate2.96%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 0.92% above avg
Details

Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Sep 24, 2026: 3.00% APYSep 24, 2026Sep 28, 2026
Amerant Bank
Institution Rating:
B+4.7 ★Texas Ratio: 18.92%
3 Month Certificates of Deposit
$0
3.00% ▲ 0.92% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 0.92% above avg
Details

FL

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Sep 28, 2026
Commerce Bank & Trust Winter Park, FL
Institution Rating:
C-3.7 ★Texas Ratio: 30.17%
90 day CD
$500
3.00% ▲ 0.92% above national avg
View
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 0.92% above avg
Details

Traditional and IRA. Penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account. Penalty waived on a one-time withdrawal, up to the full amount of the CD, after the account has been open for 7 calendar days. Additional withdrawals will be assessed a 30 day interest penalty.

Rate History
1 change since Sep 19, 2026 · 2.75% → 3.00% ▲ 0.25 pts · high 3.00% / low 2.75%
2.25%2.88%3.50%Sep 19, 2026: 2.75% APYSep 24, 2026: 3.00% APYSep 19, 2026Sep 28, 2026
  • Sep 24, 20263.00%▲ from 2.75%
  • Sep 19, 20262.75%first recorded

St Petersburg 6 Month CD Rates

National 6 Month CD Average2.77% APYUnchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
5500 16th St N, St Petersburg, FL 33703
6 month IRA CD
$0
4.10% ▲ 1.33% above national avg
View
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.33% above avg
Details

Balance: $100,000 and over

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Sep 28, 2026
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
5500 16th St N, St Petersburg, FL 33703
6 month IRA CD
$0
4.05% ▲ 1.28% above national avg
View
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.28% above avg
Details

Balance: $25,000 - $99,999.99

Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 3 times
3.55%4.05%4.55%Sep 14, 2026: 4.05% APYSep 14, 2026Sep 28, 2026
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
5500 16th St N, St Petersburg, FL 33703
6 month CD
$0
4.00% ▲ 1.23% above national avg
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.23% above avg
Details

Call 800.593.2274 or visit a branch to open your CD and start saving today.

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
5500 16th St N, St Petersburg, FL 33703
6 Month HSA CD
$0
4.00% ▲ 1.23% above national avg
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.23% above avg
Details

Balance: $100,000 and over

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Sep 28, 2026
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
5500 16th St N, St Petersburg, FL 33703
6 month IRA CD
$0
4.00% ▲ 1.23% above national avg
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.23% above avg
Details

Balance: $500 - $24,999.99

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
5500 16th St N, St Petersburg, FL 33703
Business 6 month CD
$0
4.00% ▲ 1.23% above national avg
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.23% above avg
Details

Balance: $100,000 and over

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
5500 16th St N, St Petersburg, FL 33703
6 month CD
$0
3.95% ▲ 1.18% above national avg
View
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.18% above avg
Details

Call 800.593.2274 or visit a branch to open your CD and start saving today.

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Sep 28, 2026
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
5500 16th St N, St Petersburg, FL 33703
6 Month HSA CD
$0
3.95% ▲ 1.18% above national avg
View
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.18% above avg
Details

Balance: $25,000 - $99,999.99

Rate History
No change since Sep 18, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Sep 18, 2026: 3.95% APYSep 18, 2026Sep 28, 2026
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
5500 16th St N, St Petersburg, FL 33703
Business 6 month CD
$0
3.95% ▲ 1.18% above national avg
View
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.18% above avg
Details

Balance: $25,000 - $99,999.99

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Sep 28, 2026
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
1022 Central Ave, St Petersburg, FL 33705
6 Month Jumbo Certificate
$0
3.95% ▲ 1.18% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.18% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Sep 18, 2026: 3.95% APYSep 18, 2026Sep 28, 2026
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
5500 16th St N, St Petersburg, FL 33703
6 month CD
$0
3.90% ▲ 1.13% above national avg
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.13% above avg
Details

Call 800.593.2274 or visit a branch to open your CD and start saving today.

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Sep 28, 2026
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
5500 16th St N, St Petersburg, FL 33703
6 Month HSA CD
$0
3.90% ▲ 1.13% above national avg
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.13% above avg
Details

Balance: $500 - $24,999.99

Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Sep 18, 2026: 3.90% APYSep 18, 2026Sep 28, 2026
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
5500 16th St N, St Petersburg, FL 33703
Business 6 month CD
$0
3.90% ▲ 1.13% above national avg
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.13% above avg
Details

Balance: $500 - $24,999.99

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Sep 28, 2026
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
1022 Central Ave, St Petersburg, FL 33705
6 Month Share Certificate
$0
3.70% ▲ 0.93% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.93% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Sep 18, 2026: 3.70% APYSep 18, 2026Sep 28, 2026
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
1022 Central Ave, St Petersburg, FL 33705
6 Month Youth Certificate
$0
3.70% ▲ 0.93% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.93% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Sep 18, 2026: 3.70% APYSep 18, 2026Sep 28, 2026
GTE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.65%
4584 38th Ave N, St Petersburg, FL 33713
6 Month Jumbo Share Certificates
$0
3.66% ▲ 0.89% above national avg
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 0.89% above avg
Details

Rate History
No change since Sep 25, 2026 · 3.66% APY
3.16%3.66%4.16%Sep 25, 2026: 3.66% APYSep 25, 2026Sep 28, 2026
GTE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.65%
4584 38th Ave N, St Petersburg, FL 33713
6 Month Share Certificate
$0
3.40% ▲ 0.63% above national avg
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 0.63% above avg
Details

Rate History
No change since Sep 25, 2026 · 3.40% APY
2.90%3.40%3.90%Sep 25, 2026: 3.40% APYSep 25, 2026Sep 28, 2026
Pinellas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
3100 5th Ave N, St Petersburg, FL 33713 7610
6 Month Certificate Account
$0
3.25% ▲ 0.48% above national avg
View
▼
Rate3.21%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.77%▲ 0.48% above avg
Details

Balance: $500+

Rate History
1 change since Sep 14, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00%
2.50%3.13%3.75%Sep 14, 2026: 3.00% APYSep 21, 2026: 3.25% APYSep 14, 2026Sep 28, 2026
  • Sep 21, 20263.25%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
2646 4th St N, St Petersburg, FL 33704
6 Month IRA Certificates
$0
1.50% ▼ 1.27% below national avg
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▼ 1.27% below avg
Details

Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 3 times
1.00%1.50%2.00%Sep 18, 2026: 1.50% APYSep 18, 2026Sep 28, 2026
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
2646 4th St N, St Petersburg, FL 33704
6 Month Regular Certificates
$0
1.50% ▼ 1.27% below national avg
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▼ 1.27% below avg
Details

Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 3 times
1.00%1.50%2.00%Sep 18, 2026: 1.50% APYSep 18, 2026Sep 28, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
3655 50th Ave S, St Petersburg, FL 33711
6 Month Certificate
$0
1.00% ▼ 1.77% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▼ 1.77% below avg
Details

Balance: $250.00 - $9,999.99

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 4 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Sep 28, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
3655 50th Ave S, St Petersburg, FL 33711
6 Month TD Choice CD
$250
1.00% ▼ 1.77% below national avg
View
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▼ 1.77% below avg
Details

Relationship APY

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Sep 28, 2026
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
3131 66th St N, St Petersburg, FL 33710
6 month Standard Fixed Rate CD - Relationship
$2,500
0.06% ▼ 2.71% below national avg
View
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▼ 2.71% below avg
Details

Balance: $0 - $4,999.99. Additional terms are available at a branch.

Rate History
No change since Sep 27, 2026 · 0.06% APY
0.00%0.28%0.56%Sep 27, 2026: 0.06% APYSep 27, 2026Sep 28, 2026
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
3131 66th St N, St Petersburg, FL 33710
6 month Standard Fixed Rate CD
$2,500
0.05% ▼ 2.72% below national avg
View
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▼ 2.72% below avg
Details

Balance: $0 - $4,999.99. Additional terms are available at a branch.

Rate History
No change since Sep 27, 2026 · 0.05% APY
0.00%0.28%0.55%Sep 27, 2026: 0.05% APYSep 27, 2026Sep 28, 2026
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
6 Month Bonus CD
$0
4.75% ▲ 1.98% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.98% above avg
Details

Rate History
No change since Sep 18, 2026 · 4.75% APY · checked 3 times
4.25%4.75%5.25%Sep 18, 2026: 4.75% APYSep 18, 2026Sep 28, 2026
Climate First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
6-Month Penalty-Free CD
$500
4.33% ▲ 1.56% above national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.56% above avg
Details

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%
3.57%4.20%4.83%Sep 14, 2026: 4.07% APYSep 24, 2026: 4.33% APYSep 14, 2026Sep 28, 2026
  • Sep 24, 20264.33%▲ from 4.07%
  • Sep 14, 20264.07%first recorded
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
Certificates of Deposit (CDs) - 6 Months
$2,000
4.30% ▲ 1.53% above national avg
View
▼
Rate4.21%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.53% above avg
Details

Rate History
1 change since Sep 18, 2026 · 4.20% → 4.30% ▲ 0.10 pts · high 4.30% / low 4.20%
3.70%4.25%4.80%Sep 18, 2026: 4.20% APYSep 27, 2026: 4.30% APYSep 18, 2026Sep 28, 2026
  • Sep 27, 20264.30%▲ from 4.20%
  • Sep 18, 20264.20%first recorded
Amerant Bank
Institution Rating:
B+4.7 ★Texas Ratio: 18.92%
6 Month Certificates of Deposit
$0
4.25% ▲ 1.48% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.48% above avg
Details

FL

Rate History
No change since Sep 24, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Sep 24, 2026: 4.25% APYSep 24, 2026Sep 28, 2026
Blue Coast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
6 Month - Commercial^ Certificate
$0
4.15% ▲ 1.38% above national avg
View
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.77%▲ 1.38% above avg
Details

To receive these rates and terms the certificate must be opened under a commercial/business account with BCFCU. BCFCU reserves the right to end promotion at any time.

Rate History
No change since Sep 21, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Sep 21, 2026: 4.15% APYSep 21, 2026Sep 28, 2026
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
6 Month CD
$0
4.15% ▲ 1.38% above national avg
View
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.38% above avg
Details

Rate History
No change since Sep 24, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Sep 24, 2026: 4.15% APYSep 24, 2026Sep 28, 2026
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
6 Month Fixed Rate Jumbo Certificates
$50,000
4.13% ▲ 1.36% above national avg
View
▼
Rate4.05%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.36% above avg
Details

Rate History
No change since Sep 18, 2026 · 4.13% APY · checked 3 times
3.63%4.13%4.63%Sep 18, 2026: 4.13% APYSep 18, 2026Sep 28, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
6 Month IRA Jumbo
$0
4.12% ▲ 1.35% above national avg
View
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.35% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.12% APY · checked 4 times
3.62%4.12%4.62%Sep 14, 2026: 4.12% APYSep 14, 2026Sep 28, 2026
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
6 Month Business Fixed Rate Certificates
$1,000
4.08% ▲ 1.31% above national avg
View
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.31% above avg
Details

Compound Period: Daily

Rate History
No change since Sep 18, 2026 · 4.08% APY · checked 3 times
3.58%4.08%4.58%Sep 18, 2026: 4.08% APYSep 18, 2026Sep 28, 2026
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
6 Month Fixed Rate Certificates
$1,000
4.08% ▲ 1.31% above national avg
View
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.31% above avg
Details

Compound Period: Daily

Rate History
No change since Sep 22, 2026 · 4.08% APY · checked 2 times
3.58%4.08%4.58%Sep 22, 2026: 4.08% APYSep 22, 2026Sep 28, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
6 Month Certificate
$1,000
4.07% ▲ 1.30% above national avg
View
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.30% above avg
Details

Rate History
No change since Sep 22, 2026 · 4.07% APY · checked 2 times
3.57%4.07%4.57%Sep 22, 2026: 4.07% APYSep 22, 2026Sep 28, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
6 Month IRA
$0
4.07% ▲ 1.30% above national avg
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.30% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 4 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Sep 28, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
6 Month CD
$1,000
4.05% ▲ 1.28% above national avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.28% above avg
Details

Rate History
No change since Sep 24, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Sep 24, 2026: 4.05% APYSep 24, 2026Sep 28, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
6 Month New Money CD
$1,000
4.05% ▲ 1.28% above national avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.28% above avg
Details

Exclusively for Premier clients.

Rate History
No change since Sep 27, 2026 · 4.05% APY
3.55%4.05%4.55%Sep 27, 2026: 4.05% APYSep 27, 2026Sep 28, 2026
Transport Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
6 Month Jumbo Certificate
$0
4.01% ▲ 1.24% above national avg
View
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.24% above avg
Details

Jumbo Certificate rates require a $100,000.00 minimum deposit. Contact a Consumer Financial Advocate or review your Important Account Information brochure for details on terms and conditions.

Rate History
No change since Sep 14, 2026 · 4.01% APY · checked 4 times
3.51%4.01%4.51%Sep 14, 2026: 4.01% APYSep 14, 2026Sep 28, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
6 Month CD
$1,000
4.00% ▲ 1.23% above national avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.23% above avg
Details

Only available to existing Premier customers.

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Sep 28, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
6 Month Online CD
$1,000
4.00% ▲ 1.23% above national avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.23% above avg
Details

Minimum balance to open and obtain APY is $1000.

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Sep 28, 2026
City National Bank of Florida
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
6-month online CD
$25,000
4.00% ▲ 1.23% above national avg
View
▼
Rate3.92%
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.23% above avg
Details

Online-only high-yield rates. The costs we save by operating exclusively online, we pass along to our clients. Minimum deposit of $25,000 required to earn advertised APY. Maximum amount allowed per client is $1,000,000.

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Sep 28, 2026
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
6-month CD
$1,000
4.00% ▲ 1.23% above national avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.23% above avg
Details

Rate History
1 change since Sep 14, 2026 · 3.56% → 4.00% ▲ 0.44 pts · high 4.00% / low 3.56%
3.06%3.78%4.50%Sep 14, 2026: 3.56% APYSep 24, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
  • Sep 24, 20264.00%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
Newtek Bank
Institution Rating:
F1.0 ★Texas Ratio: 73.57%
6 Month CD
$2,500
4.00% ▲ 1.23% above national avg
View
▼
Rate—
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.23% above avg
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Sep 28, 2026
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
Special 6-Month Fixed Rate
$0
4.00% ▲ 1.23% above national avg
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.23% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
6-Month Share Certificate
$1,000
4.00% ▲ 1.23% above national avg
View
▼
Rate3.92%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 1.23% above avg
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%
3.37%3.94%4.50%Sep 14, 2026: 3.87% APYSep 18, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
  • Sep 18, 20264.00%▲ from 3.87%
  • Sep 14, 20263.87%first recorded
Blue Coast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
6 Month Share Certificate
$0
3.95% ▲ 1.18% above national avg
View
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.77%▲ 1.18% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.95% APY · checked 4 times
3.45%3.95%4.45%Sep 18, 2026: 3.95% APYSep 18, 2026Sep 28, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6 Month CD - Certificates of Deposit
$0
3.90% ▲ 1.13% above national avg
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.13% above avg
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 3.90% ▲ 0.10 pts · high 3.90% / low 3.80%
3.30%3.85%4.40%Sep 14, 2026: 3.80% APYSep 24, 2026: 3.90% APYSep 14, 2026Sep 28, 2026
  • Sep 24, 20263.90%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6 Month Certificates of Deposit
$1,000
3.90% ▲ 1.13% above national avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.13% above avg
Details

All rates are Annual Percentage Yields.

Rate History
1 change since Sep 14, 2026 · 3.80% → 3.90% ▲ 0.10 pts · high 3.90% / low 3.80%
3.30%3.85%4.40%Sep 14, 2026: 3.80% APYSep 24, 2026: 3.90% APYSep 14, 2026Sep 28, 2026
  • Sep 24, 20263.90%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
6 Month IRA CD
$0
3.85% ▲ 1.08% above national avg
View
▼
Rate3.81%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.77%▲ 1.08% above avg
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
3.25%3.80%4.35%Sep 14, 2026: 3.75% APYSep 22, 2026: 3.85% APYSep 14, 2026Sep 28, 2026
  • Sep 22, 20263.85%▲ from 3.75%
  • Sep 14, 20263.75%first recorded

St Petersburg 12 Month CD Rates

National 12 Month CD Average2.94% APY▼ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Pinellas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
3100 5th Ave N, St Petersburg, FL 33713 7610
1 Year Certificate Account
$0
4.00% ▲ 1.06% above national avg
View
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.94%▲ 1.06% above avg
Details

Balance: $500+

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 14, 2026: 3.75% APYSep 21, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
  • Sep 21, 20264.00%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
1022 Central Ave, St Petersburg, FL 33705
12 Month Jumbo Certificate
$0
3.95% ▲ 1.01% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.01% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Sep 18, 2026: 3.95% APYSep 18, 2026Sep 28, 2026
GTE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.65%
4584 38th Ave N, St Petersburg, FL 33713
12 Month Jumbo Share Certificates
$0
3.82% ▲ 0.88% above national avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▲ 0.88% above avg
Details

Rate History
No change since Sep 25, 2026 · 3.82% APY
3.32%3.82%4.32%Sep 25, 2026: 3.82% APYSep 25, 2026Sep 28, 2026
Pinellas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
3100 5th Ave N, St Petersburg, FL 33713 7610
Individual Retirement Account (IRA) Certificates - 1 Year
$0
3.75% ▲ 0.81% above national avg
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.94%▲ 0.81% above avg
Details

Balance: $500 & Up

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Sep 28, 2026
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
5500 16th St N, St Petersburg, FL 33703
12 month IRA CD
$0
3.70% ▲ 0.76% above national avg
View
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.94%▲ 0.76% above avg
Details

Balance: $100,000 and over

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Sep 28, 2026
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
1022 Central Ave, St Petersburg, FL 33705
12 Month Share Certificate
$0
3.70% ▲ 0.76% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 0.76% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Sep 18, 2026: 3.70% APYSep 18, 2026Sep 28, 2026
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
1022 Central Ave, St Petersburg, FL 33705
12 Month Smart Start Certificate
$0
3.70% ▲ 0.76% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 0.76% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Sep 18, 2026: 3.70% APYSep 18, 2026Sep 28, 2026
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
1022 Central Ave, St Petersburg, FL 33705
12 Month Youth Certificate
$0
3.70% ▲ 0.76% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 0.76% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Sep 18, 2026: 3.70% APYSep 18, 2026Sep 28, 2026
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
5500 16th St N, St Petersburg, FL 33703
12 month CD
$0
3.60% ▲ 0.66% above national avg
View
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.94%▲ 0.66% above avg
Details

Balance: $100,000 and over

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Sep 28, 2026
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
5500 16th St N, St Petersburg, FL 33703
12 month HSA CD
$0
3.60% ▲ 0.66% above national avg
View
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.94%▲ 0.66% above avg
Details

Rate History
No change since Sep 21, 2026 · 3.60% APY
3.10%3.60%4.10%Sep 21, 2026: 3.60% APYSep 21, 2026Sep 28, 2026
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
5500 16th St N, St Petersburg, FL 33703
12 month IRA CD
$0
3.60% ▲ 0.66% above national avg
View
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.94%▲ 0.66% above avg
Details

Balance: $25,000 - $99,999.99

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Sep 28, 2026
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
5500 16th St N, St Petersburg, FL 33703
Business 12 month CD
$0
3.60% ▲ 0.66% above national avg
View
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.94%▲ 0.66% above avg
Details

Balance: $100,000 and over

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Sep 28, 2026
GTE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.65%
4584 38th Ave N, St Petersburg, FL 33713
12 Month Share Certificate
$0
3.56% ▲ 0.62% above national avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▲ 0.62% above avg
Details

Rate History
No change since Sep 25, 2026 · 3.56% APY
3.06%3.56%4.06%Sep 25, 2026: 3.56% APYSep 25, 2026Sep 28, 2026
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
5500 16th St N, St Petersburg, FL 33703
12 month CD
$0
3.50% ▲ 0.56% above national avg
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.94%▲ 0.56% above avg
Details

Balance: $25,000 - $99,999.99

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Sep 28, 2026
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
5500 16th St N, St Petersburg, FL 33703
12 month HSA CD
$0
3.50% ▲ 0.56% above national avg
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.94%▲ 0.56% above avg
Details

Rate History
No change since Sep 21, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 21, 2026: 3.50% APYSep 21, 2026Sep 28, 2026
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
5500 16th St N, St Petersburg, FL 33703
12 month IRA CD
$0
3.50% ▲ 0.56% above national avg
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.94%▲ 0.56% above avg
Details

Balance: $500 - $24,999.99

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Sep 28, 2026
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
5500 16th St N, St Petersburg, FL 33703
Business 12 month CD
$0
3.50% ▲ 0.56% above national avg
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.94%▲ 0.56% above avg
Details

Balance: $25,000 - $99,999.99

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Sep 28, 2026
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
5500 16th St N, St Petersburg, FL 33703
12 month CD
$0
3.40% ▲ 0.46% above national avg
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.94%▲ 0.46% above avg
Details

Balance: $500 - $24,999.99

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 3 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Sep 28, 2026
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
5500 16th St N, St Petersburg, FL 33703
12 month HSA CD
$0
3.40% ▲ 0.46% above national avg
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.94%▲ 0.46% above avg
Details

Rate History
No change since Sep 21, 2026 · 3.40% APY
2.90%3.40%3.90%Sep 21, 2026: 3.40% APYSep 21, 2026Sep 28, 2026
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
5500 16th St N, St Petersburg, FL 33703
Business 12 month CD
$0
3.40% ▲ 0.46% above national avg
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.94%▲ 0.46% above avg
Details

Balance: $500 - $24,999.99

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 3 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Sep 28, 2026
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
6300 Central Ave, St Petersburg, FL 33707
12-month CD
$0
3.25% ▲ 0.31% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 0.31% above avg
Details

Special rate on new CD accounts.

Rate History
No change since Sep 27, 2026 · 3.25% APY
2.75%3.25%3.75%Sep 27, 2026: 3.25% APYSep 27, 2026Sep 28, 2026
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
2646 4th St N, St Petersburg, FL 33704
12 Month IRA Certificates
$0
1.75% ▼ 1.19% below national avg
View
▼
Rate1.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▼ 1.19% below avg
Details

Rate History
No change since Sep 18, 2026 · 1.75% APY · checked 3 times
1.25%1.75%2.25%Sep 18, 2026: 1.75% APYSep 18, 2026Sep 28, 2026
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
2646 4th St N, St Petersburg, FL 33704
12 Month Regular Certificates
$0
1.75% ▼ 1.19% below national avg
View
▼
Rate1.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▼ 1.19% below avg
Details

Rate History
No change since Sep 18, 2026 · 1.75% APY · checked 3 times
1.25%1.75%2.25%Sep 18, 2026: 1.75% APYSep 18, 2026Sep 28, 2026
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
3131 66th St N, St Petersburg, FL 33710
1 year Standard Fixed Rate CD - Relationship
$2,500
1.51% ▼ 1.43% below national avg
View
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▼ 1.43% below avg
Details

Balance: $0 - $4,999.99. Additional terms are available at a branch.

Rate History
No change since Sep 27, 2026 · 1.51% APY
1.01%1.51%2.01%Sep 27, 2026: 1.51% APYSep 27, 2026Sep 28, 2026
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
3131 66th St N, St Petersburg, FL 33710
1 year Standard Fixed Rate CD
$2,500
1.50% ▼ 1.44% below national avg
View
▼
Rate1.49%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▼ 1.44% below avg
Details

Balance: $0 - $4,999.99. Additional terms are available at a branch.

Rate History
No change since Sep 27, 2026 · 1.50% APY
1.00%1.50%2.00%Sep 27, 2026: 1.50% APYSep 27, 2026Sep 28, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
3655 50th Ave S, St Petersburg, FL 33711
12 Month Certificate
$0
1.00% ▼ 1.94% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▼ 1.94% below avg
Details

Balance: $250.00 - $9,999.99

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 4 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Sep 28, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
3655 50th Ave S, St Petersburg, FL 33711
12 Month TD Choice CD
$250
1.00% ▼ 1.94% below national avg
View
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▼ 1.94% below avg
Details

Relationship APY

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Sep 28, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
3655 50th Ave S, St Petersburg, FL 33711
12 Month TD IRA Add-Vantage CD
$0
0.05% ▼ 2.89% below national avg
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▼ 2.89% below avg
Details

IRA Account

Rate History
No change since Sep 27, 2026 · 0.05% APY
0.00%0.28%0.55%Sep 27, 2026: 0.05% APYSep 27, 2026Sep 28, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
12 Month Family Legacy Certificate Account
$0
5.00% ▲ 2.06% above national avg
View
▼
Rate4.91%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▲ 2.06% above avg
Details

The Family Legacy Certificate Account must be opened within two years of the date of death. Eligibility is subject to verification.

Rate History
1 change since Sep 14, 2026 · 4.91% → 5.00% ▲ 0.09 pts · high 5.00% / low 4.91%
4.41%4.96%5.50%Sep 14, 2026: 4.91% APYSep 17, 2026: 5.00% APYSep 14, 2026Sep 28, 2026
  • Sep 17, 20265.00%▲ from 4.91%
  • Sep 14, 20264.91%first recorded
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
Certificates of Deposit (CDs) - 12 Months
$2,000
4.45% ▲ 1.51% above national avg
View
▼
Rate4.35%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.51% above avg
Details

Rate History
1 change since Sep 18, 2026 · 4.35% → 4.45% ▲ 0.10 pts · high 4.45% / low 4.35%
3.85%4.40%4.95%Sep 18, 2026: 4.35% APYSep 27, 2026: 4.45% APYSep 18, 2026Sep 28, 2026
  • Sep 27, 20264.45%▲ from 4.35%
  • Sep 18, 20264.35%first recorded
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
12 Month IRA Certificate
$500
4.40% ▲ 1.46% above national avg
View
▼
Rate4.33%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.46% above avg
Details

IRA Certificate

Rate History
No change since Sep 14, 2026 · 4.40% APY · checked 4 times
3.90%4.40%4.90%Sep 14, 2026: 4.40% APYSep 14, 2026Sep 28, 2026
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
12 Month Regular Certificate of Deposit
$500
4.40% ▲ 1.46% above national avg
View
▼
Rate4.33%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.46% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.40% APY · checked 4 times
3.90%4.40%4.90%Sep 14, 2026: 4.40% APYSep 14, 2026Sep 28, 2026
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
12 Months Certificate
$500
4.40% ▲ 1.46% above national avg
View
▼
Rate4.33%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.46% above avg
Details

Rate History
No change since Sep 22, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Sep 22, 2026: 4.40% APYSep 22, 2026Sep 28, 2026
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
IRA Certificates - 12 Months
$500
4.40% ▲ 1.46% above national avg
View
▼
Rate4.33%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.46% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.40% APY · checked 3 times
3.90%4.40%4.90%Sep 14, 2026: 4.40% APYSep 14, 2026Sep 28, 2026
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
12 Month Online CD
$500
4.35% ▲ 1.41% above national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.41% above avg
Details

Rate History
No change since Sep 18, 2026 · 4.35% APY · checked 3 times
3.85%4.35%4.85%Sep 18, 2026: 4.35% APYSep 18, 2026Sep 28, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
12 Month CD
$1,000
4.35% ▲ 1.41% above national avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.41% above avg
Details

Rate History
No change since Sep 24, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Sep 24, 2026: 4.35% APYSep 24, 2026Sep 28, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
12 Month New Money CD
$1,000
4.35% ▲ 1.41% above national avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.41% above avg
Details

Exclusively for Premier clients.

Rate History
No change since Sep 27, 2026 · 4.35% APY
3.85%4.35%4.85%Sep 27, 2026: 4.35% APYSep 27, 2026Sep 28, 2026
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
12-month CD
$1,000
4.35% ▲ 1.41% above national avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.41% above avg
Details

Featured rate

Rate History
1 change since Sep 14, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
3.65%4.25%4.85%Sep 14, 2026: 4.15% APYSep 24, 2026: 4.35% APYSep 14, 2026Sep 28, 2026
  • Sep 24, 20264.35%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
Traditional Teen 12 month CD Special
$0
4.33% ▲ 1.39% above national avg
View
▼
Rate4.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.39% above avg
Details

Special; Tru Traditional/Roth IRA Accounts

Rate History
No change since Sep 22, 2026 · 4.33% APY · checked 2 times
3.83%4.33%4.83%Sep 22, 2026: 4.33% APYSep 22, 2026Sep 28, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
12 Month CD
$1,000
4.30% ▲ 1.36% above national avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.36% above avg
Details

Only available to existing Premier customers.

Rate History
No change since Sep 24, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Sep 24, 2026: 4.30% APYSep 24, 2026Sep 28, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
12 Month Online CD
$1,000
4.30% ▲ 1.36% above national avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.36% above avg
Details

Minimum balance to open and obtain APY is $1000.

Rate History
No change since Sep 24, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Sep 24, 2026: 4.30% APYSep 24, 2026Sep 28, 2026
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
1 Year Rising Rate CD
$0
4.25% ▲ 1.31% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.31% above avg
Details

Minimum to Obtain: $500

Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APYSep 18, 2026Sep 28, 2026
Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
12 Month IRA CD
$0
4.25% ▲ 1.31% above national avg
View
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.94%▲ 1.31% above avg
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.25% ▲ 0.40 pts · high 4.25% / low 3.85%
3.35%4.05%4.75%Sep 14, 2026: 3.85% APYSep 22, 2026: 4.25% APYSep 14, 2026Sep 28, 2026
  • Sep 22, 20264.25%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
1 Year Starter Add-On Certificate
$0
4.25% ▲ 1.31% above national avg
View
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.31% above avg
Details

Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APYSep 18, 2026Sep 28, 2026
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
12 Month CD
$0
4.25% ▲ 1.31% above national avg
View
▼
Rate4.16%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.31% above avg
Details

Rate History
No change since Sep 24, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Sep 24, 2026: 4.25% APYSep 24, 2026Sep 28, 2026
Gulf Coast Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month CD
$0
4.24% ▲ 1.30% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.94%▲ 1.30% above avg
Details

up to

Rate History
No change since Sep 19, 2026 · 4.24% APY · checked 4 times
3.74%4.24%4.74%Sep 19, 2026: 4.24% APYSep 19, 2026Sep 28, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
12 Month IRA Jumbo
$0
4.23% ▲ 1.29% above national avg
View
▼
Rate4.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.29% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.23% APY · checked 4 times
3.73%4.23%4.73%Sep 14, 2026: 4.23% APYSep 14, 2026Sep 28, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
12 Month Certificate
$1,000
4.18% ▲ 1.24% above national avg
View
▼
Rate4.10%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.24% above avg
Details

Rate History
No change since Sep 22, 2026 · 4.18% APY · checked 2 times
3.68%4.18%4.68%Sep 22, 2026: 4.18% APYSep 22, 2026Sep 28, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
12 Month IRA
$0
4.18% ▲ 1.24% above national avg
View
▼
Rate4.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.24% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.18% APY · checked 4 times
3.68%4.18%4.68%Sep 14, 2026: 4.18% APYSep 14, 2026Sep 28, 2026
Climate First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
12-Month Penalty-Free CD
$500
4.15% ▲ 1.21% above national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.21% above avg
Details

No penalty for early withdrawals

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Sep 28, 2026

St Petersburg 18 Month CD Rates

National 18 Month CD Average2.82% APYUnchanged from last week
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%
1022 Central Ave, St Petersburg, FL 33705
18 Month Jumbo Certificate
$0
4.50% ▲ 1.68% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.68% above avg
Details

Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APYSep 18, 2026Sep 28, 2026
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
1022 Central Ave, St Petersburg, FL 33705
18 Month Share Certificate
$0
4.50% ▲ 1.68% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.68% above avg
Details

Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APYSep 18, 2026Sep 28, 2026
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
1022 Central Ave, St Petersburg, FL 33705
18 Month Youth Certificate
$0
4.50% ▲ 1.68% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.68% above avg
Details

Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APYSep 18, 2026Sep 28, 2026
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
5500 16th St N, St Petersburg, FL 33703
18 month IRA CD
$0
3.85% ▲ 1.03% above national avg
View
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.03% above avg
Details

Call 800.593.2274 or visit a branch to open your CD and start saving today.

Rate History
No change since Sep 18, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Sep 18, 2026: 3.85% APYSep 18, 2026Sep 28, 2026
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
5500 16th St N, St Petersburg, FL 33703
18 month CD
$0
3.75% ▲ 0.93% above national avg
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.93% above avg
Details

Balance: $500 - $24,999.99

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Sep 28, 2026
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
5500 16th St N, St Petersburg, FL 33703
Business 18 month CD
$0
3.75% ▲ 0.93% above national avg
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.93% above avg
Details

Balance: $500; Call 800.593.2274 or visit a branch to open your CD and start saving today.

Rate History
No change since Sep 21, 2026 · 3.75% APY
3.25%3.75%4.25%Sep 21, 2026: 3.75% APYSep 21, 2026Sep 28, 2026
GTE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.65%
4584 38th Ave N, St Petersburg, FL 33713
18 Month Jumbo Share Certificates
$0
3.56% ▲ 0.74% above national avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▲ 0.74% above avg
Details

Rate History
No change since Sep 25, 2026 · 3.56% APY
3.06%3.56%4.06%Sep 25, 2026: 3.56% APYSep 25, 2026Sep 28, 2026
GTE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.65%
4584 38th Ave N, St Petersburg, FL 33713
18 Month Share Certificate
$0
3.30% ▲ 0.48% above national avg
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▲ 0.48% above avg
Details

Rate History
No change since Sep 25, 2026 · 3.30% APY
2.80%3.30%3.80%Sep 25, 2026: 3.30% APYSep 25, 2026Sep 28, 2026
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
2646 4th St N, St Petersburg, FL 33704
18 Month IRA Certificates
$0
2.00% ▼ 0.82% below national avg
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▼ 0.82% below avg
Details

Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 3 times
1.50%2.00%2.50%Sep 18, 2026: 2.00% APYSep 18, 2026Sep 28, 2026
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
2646 4th St N, St Petersburg, FL 33704
18 Month Regular Certificates
$0
2.00% ▼ 0.82% below national avg
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▼ 0.82% below avg
Details

Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 3 times
1.50%2.00%2.50%Sep 18, 2026: 2.00% APYSep 18, 2026Sep 28, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
3655 50th Ave S, St Petersburg, FL 33711
18 Month Certificate
$0
1.00% ▼ 1.82% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▼ 1.82% below avg
Details

Balance: $250.00 - $9,999.99

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 3 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Sep 28, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
3655 50th Ave S, St Petersburg, FL 33711
18 Month TD Choice CD
$250
1.00% ▼ 1.82% below national avg
View
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▼ 1.82% below avg
Details

Relationship APY

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Sep 28, 2026
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
Certificates of Deposit (CDs) - 18 Months
$2,000
4.65% ▲ 1.83% above national avg
View
▼
Rate4.55%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.83% above avg
Details

Rate History
1 change since Sep 18, 2026 · 4.55% → 4.65% ▲ 0.10 pts · high 4.65% / low 4.55%
4.05%4.60%5.15%Sep 18, 2026: 4.55% APYSep 27, 2026: 4.65% APYSep 18, 2026Sep 28, 2026
  • Sep 27, 20264.65%▲ from 4.55%
  • Sep 18, 20264.55%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
18 Month Jumbo Certificate
$0
4.50% ▲ 1.68% above national avg
View
▼
Rate4.41%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▲ 1.68% above avg
Details

Balance: $100,000 and above

Rate History
No change since Sep 25, 2026 · 4.50% APY
4.00%4.50%5.00%Sep 25, 2026: 4.50% APYSep 25, 2026Sep 28, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
18-Month Promo Certificate
$100,000
4.50% ▲ 1.68% above national avg
View
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▲ 1.68% above avg
Details

Promotional certificate. Or, 4.35% APY* with $100 min.

Rate History
No change since Sep 25, 2026 · 4.50% APY
4.00%4.50%5.00%Sep 25, 2026: 4.50% APYSep 25, 2026Sep 28, 2026
Launch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
18 Month Business Share Certificate
$0
4.50% ▲ 1.68% above national avg
View
▼
Rate4.41%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.68% above avg
Details

Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APYSep 18, 2026Sep 28, 2026
Launch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
18 Month Share Certificates
$1,000
4.50% ▲ 1.68% above national avg
View
▼
Rate4.41%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.68% above avg
Details

Rate History
No change since Sep 22, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Sep 22, 2026: 4.50% APYSep 22, 2026Sep 28, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
18 Month Jumbo Certificate
$0
4.35% ▲ 1.53% above national avg
View
▼
Rate4.27%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▲ 1.53% above avg
Details

Balance: $100,000 and above

Rate History
No change since Sep 25, 2026 · 4.35% APY
3.85%4.35%4.85%Sep 25, 2026: 4.35% APYSep 25, 2026Sep 28, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
18 Month Regular Certificate
$0
4.35% ▲ 1.53% above national avg
View
▼
Rate4.27%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▲ 1.53% above avg
Details

Balance: Under $100,000

Rate History
No change since Sep 25, 2026 · 4.35% APY
3.85%4.35%4.85%Sep 25, 2026: 4.35% APYSep 25, 2026Sep 28, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
18-Month Promo Certificate
$100
4.35% ▲ 1.53% above national avg
View
▼
Rate—
Min Deposit$100
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▲ 1.53% above avg
Details

Promotional certificate. Rate is with $100 min.

Rate History
No change since Sep 25, 2026 · 4.35% APY
3.85%4.35%4.85%Sep 25, 2026: 4.35% APYSep 25, 2026Sep 28, 2026
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
18 Month CD
$0
4.35% ▲ 1.53% above national avg
View
▼
Rate4.26%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.53% above avg
Details

Rate History
No change since Sep 24, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Sep 24, 2026: 4.35% APYSep 24, 2026Sep 28, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
18 Month IRA Jumbo
$0
4.28% ▲ 1.46% above national avg
View
▼
Rate4.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.46% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.28% APY · checked 4 times
3.78%4.28%4.78%Sep 14, 2026: 4.28% APYSep 14, 2026Sep 28, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Relationship CD - 18 Month
$0
4.25% ▲ 1.43% above national avg
View
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.43% above avg
Details

Rate History
1 change since Sep 14, 2026 · 4.10% → 4.25% ▲ 0.15 pts · high 4.25% / low 4.10%
3.60%4.18%4.75%Sep 14, 2026: 4.10% APYSep 24, 2026: 4.25% APYSep 14, 2026Sep 28, 2026
  • Sep 24, 20264.25%▲ from 4.10%
  • Sep 14, 20264.10%first recorded
Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
18 Month IRA CD
$0
4.25% ▲ 1.43% above national avg
View
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.82%▲ 1.43% above avg
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.25% ▲ 0.40 pts · high 4.25% / low 3.85%
3.35%4.05%4.75%Sep 14, 2026: 3.85% APYSep 22, 2026: 4.25% APYSep 14, 2026Sep 28, 2026
  • Sep 22, 20264.25%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
McCoy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
18 Month Share Certificate
$0
4.23% ▲ 1.41% above national avg
View
▼
Rate4.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▲ 1.41% above avg
Details

Balance: $1,000 - $100,000 +

Rate History
No change since Sep 25, 2026 · 4.23% APY
3.73%4.23%4.73%Sep 25, 2026: 4.23% APYSep 25, 2026Sep 28, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
18 Month Certificate
$1,000
4.23% ▲ 1.41% above national avg
View
▼
Rate4.15%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.41% above avg
Details

Rate History
No change since Sep 22, 2026 · 4.23% APY · checked 2 times
3.73%4.23%4.73%Sep 22, 2026: 4.23% APYSep 22, 2026Sep 28, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
18 Month IRA
$0
4.23% ▲ 1.41% above national avg
View
▼
Rate4.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.41% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.23% APY · checked 4 times
3.73%4.23%4.73%Sep 14, 2026: 4.23% APYSep 14, 2026Sep 28, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
18 Month Regular Certificate
$0
4.20% ▲ 1.38% above national avg
View
▼
Rate4.12%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▲ 1.38% above avg
Details

Balance: Under $100,000

Rate History
No change since Sep 25, 2026 · 4.20% APY
3.70%4.20%4.70%Sep 25, 2026: 4.20% APYSep 25, 2026Sep 28, 2026
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
18-month CD
$1,000
4.15% ▲ 1.33% above national avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.33% above avg
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
3.50%4.08%4.65%Sep 14, 2026: 4.00% APYSep 24, 2026: 4.15% APYSep 14, 2026Sep 28, 2026
  • Sep 24, 20264.15%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
18 Month CD
$100,000
4.15% ▲ 1.33% above national avg
View
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.33% above avg
Details

Interest Frequency: Monthly

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Sep 28, 2026
Tampa Bay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.75%
18 Month Market Watch
$0
4.15% ▲ 1.33% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.33% above avg
Details

Balance: $500-$49,999; This is a variable rate certificate. The rate is adjusted on the first of each month and is calculated by using the 24-month Treasury Bill rate in effect on the 10th day of the previous month plus 0.25% (25 basis points). At maturity, the certificate automatically renews.

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 4 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Sep 28, 2026
MIAMI FIREFIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
18 Month IRA Share Certificate
$0
4.15% ▲ 1.33% above national avg
View
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.33% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 4 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Sep 28, 2026
MIAMI FIREFIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
18 Month Share Certificates
$0
4.15% ▲ 1.33% above national avg
View
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.33% above avg
Details

Rate History
No change since Sep 18, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Sep 18, 2026: 4.15% APYSep 18, 2026Sep 28, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
18 Month CD
$100,000
4.10% ▲ 1.28% above national avg
View
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.28% above avg
Details

Interest Frequency: Semi

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Sep 28, 2026
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
18 Month IRA Certificate
$500
4.10% ▲ 1.28% above national avg
View
▼
Rate4.04%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.28% above avg
Details

IRA Certificate

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 4 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Sep 28, 2026
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
18 Month Regular Certificate of Deposit
$500
4.10% ▲ 1.28% above national avg
View
▼
Rate4.04%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.28% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 4 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Sep 28, 2026
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
18 Months Certificate
$500
4.10% ▲ 1.28% above national avg
View
▼
Rate4.04%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.28% above avg
Details

Rate History
No change since Sep 22, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Sep 22, 2026: 4.10% APYSep 22, 2026Sep 28, 2026
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
IRA Certificates - 18 Months
$500
4.10% ▲ 1.28% above national avg
View
▼
Rate4.04%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.28% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Sep 28, 2026
Blue Coast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
18 Month Share Certificate
$0
4.08% ▲ 1.26% above national avg
View
▼
Rate4.01%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.82%▲ 1.26% above avg
Details

Rate History
No change since Sep 18, 2026 · 4.08% APY · checked 4 times
3.58%4.08%4.58%Sep 18, 2026: 4.08% APYSep 18, 2026Sep 28, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
18 Month CD
$100,000
4.05% ▲ 1.23% above national avg
View
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.23% above avg
Details

Interest Frequency: Semi

Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 3 times
3.55%4.05%4.55%Sep 14, 2026: 4.05% APYSep 14, 2026Sep 28, 2026
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
18 Months CD
$0
4.00% ▲ 1.18% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.18% above avg
Details

Rate History
1 change since Sep 19, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60%
3.10%3.80%4.50%Sep 19, 2026: 3.60% APYSep 24, 2026: 4.00% APYSep 19, 2026Sep 28, 2026
  • Sep 24, 20264.00%▲ from 3.60%
  • Sep 19, 20263.60%first recorded
Commerce Bank & Trust Winter Park, FL
Institution Rating:
C-3.7 ★Texas Ratio: 30.17%
18 month CD
$500
4.00% ▲ 1.18% above national avg
View
▼
Rate3.92%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.18% above avg
Details

Traditional and IRA. Penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account. Penalty waived on a one-time withdrawal, up to the full amount of the CD, after the account has been open for 7 calendar days. Additional withdrawals will be assessed a 30 day interest penalty.

Rate History
1 change since Sep 11, 2026 · 3.25% → 4.00% ▲ 0.75 pts · high 4.00% / low 3.25%
2.50%3.63%4.75%Sep 11, 2026: 3.25% APYSep 24, 2026: 4.00% APYSep 11, 2026Sep 28, 2026
  • Sep 24, 20264.00%▲ from 3.25%
  • Sep 11, 20263.25%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
18 Month Share Certificate
$1,000
4.00% ▲ 1.18% above national avg
View
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.82%▲ 1.18% above avg
Details

Rate History
1 change since Sep 18, 2026 · 3.95% → 4.00% ▲ 0.05 pts · high 4.00% / low 3.95%
3.45%3.98%4.50%Sep 18, 2026: 3.95% APYSep 21, 2026: 4.00% APYSep 18, 2026Sep 28, 2026
  • Sep 21, 20264.00%▲ from 3.95%
  • Sep 18, 20263.95%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificates 18 Month
$100,000
4.00% ▲ 1.18% above national avg
View
▼
Rate3.93%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.82%▲ 1.18% above avg
Details

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.00% ▲ 0.10 pts · high 4.00% / low 3.90%
3.40%3.95%4.50%Sep 14, 2026: 3.90% APYSep 18, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
  • Sep 18, 20264.00%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Newtek Bank
Institution Rating:
F1.0 ★Texas Ratio: 73.57%
18 Month CD
$2,500
3.95% ▲ 1.13% above national avg
View
▼
Rate—
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.13% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Sep 18, 2026: 3.95% APYSep 18, 2026Sep 28, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
CD - 18 Month
$0
3.95% ▲ 1.13% above national avg
View
▼
Rate3.89%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.13% above avg
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 3.95% ▲ 0.15 pts · high 3.95% / low 3.80%
3.30%3.88%4.45%Sep 14, 2026: 3.80% APYSep 24, 2026: 3.95% APYSep 14, 2026Sep 28, 2026
  • Sep 24, 20263.95%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
18 Month Share Certificate
$1,000
3.95% ▲ 1.13% above national avg
View
▼
Rate3.88%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.82%▲ 1.13% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.95% APY · checked 4 times
3.45%3.95%4.45%Sep 18, 2026: 3.95% APYSep 18, 2026Sep 28, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
18 Month Traditional/Roth IRA Certificates
$50,000
3.95% ▲ 1.13% above national avg
View
▼
Rate3.88%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.82%▲ 1.13% above avg
Details

Rate History
No change since Sep 21, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Sep 21, 2026: 3.95% APYSep 21, 2026Sep 28, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
18 Month Share Certificates
$1,000
3.90% ▲ 1.08% above national avg
View
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.82%▲ 1.08% above avg
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 3.90% ▼ 0.10 pts · high 4.00% / low 3.90%
3.40%3.95%4.50%Sep 14, 2026: 4.00% APYSep 21, 2026: 3.90% APYSep 14, 2026Sep 28, 2026
  • Sep 21, 20263.90%▼ from 4.00%
  • Sep 14, 20264.00%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificates - 18 Month
$1,000
3.90% ▲ 1.08% above national avg
View
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.82%▲ 1.08% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 5 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Sep 28, 2026

St Petersburg 24 Month CD Rates

National 24 Month CD Average2.84% APY▼ 0.01% from last week
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%
1022 Central Ave, St Petersburg, FL 33705
24 Month Jumbo Certificate
$0
4.00% ▲ 1.16% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.16% above avg
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Sep 28, 2026
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
5500 16th St N, St Petersburg, FL 33703
24 month IRA CD
$0
3.85% ▲ 1.01% above national avg
View
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.01% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Sep 18, 2026: 3.85% APYSep 18, 2026Sep 28, 2026
Pinellas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
3100 5th Ave N, St Petersburg, FL 33713 7610
2 Year Certificate Account
$0
3.75% ▲ 0.91% above national avg
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.84%▲ 0.91% above avg
Details

Balance: $500+

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 14, 2026: 3.50% APYSep 21, 2026: 3.75% APYSep 14, 2026Sep 28, 2026
  • Sep 21, 20263.75%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
5500 16th St N, St Petersburg, FL 33703
24 month CD
$0
3.75% ▲ 0.91% above national avg
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.91% above avg
Details

Balance: $500 - $24,999.99

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Sep 28, 2026
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
5500 16th St N, St Petersburg, FL 33703
Business 24 month CD
$0
3.75% ▲ 0.91% above national avg
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.91% above avg
Details

Balance: $500 - $24,999.99

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Sep 28, 2026
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
1022 Central Ave, St Petersburg, FL 33705
24 Month Share Certificate
$0
3.75% ▲ 0.91% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.91% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Sep 28, 2026
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
1022 Central Ave, St Petersburg, FL 33705
24 Month Youth Certificate
$0
3.75% ▲ 0.91% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.91% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Sep 28, 2026
GTE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.65%
4584 38th Ave N, St Petersburg, FL 33713
24 Month Jumbo Share Certificates
$0
3.61% ▲ 0.77% above national avg
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.77% above avg
Details

Rate History
No change since Sep 25, 2026 · 3.61% APY
3.11%3.61%4.11%Sep 25, 2026: 3.61% APYSep 25, 2026Sep 28, 2026
Pinellas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
3100 5th Ave N, St Petersburg, FL 33713 7610
Individual Retirement Account (IRA) Certificates - 2 Year
$0
3.50% ▲ 0.66% above national avg
View
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.84%▲ 0.66% above avg
Details

Balance: $500 & Up

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Sep 28, 2026
GTE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.65%
4584 38th Ave N, St Petersburg, FL 33713
24 Month Share Certificate
$0
3.35% ▲ 0.51% above national avg
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.51% above avg
Details

Rate History
No change since Sep 25, 2026 · 3.35% APY
2.85%3.35%3.85%Sep 25, 2026: 3.35% APYSep 25, 2026Sep 28, 2026
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
2646 4th St N, St Petersburg, FL 33704
24 Month IRA Certificates
$0
2.25% ▼ 0.59% below national avg
View
▼
Rate2.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▼ 0.59% below avg
Details

Rate History
No change since Sep 18, 2026 · 2.25% APY · checked 3 times
1.75%2.25%2.75%Sep 18, 2026: 2.25% APYSep 18, 2026Sep 28, 2026
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
2646 4th St N, St Petersburg, FL 33704
24 Month Regular Certificates
$0
2.25% ▼ 0.59% below national avg
View
▼
Rate2.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▼ 0.59% below avg
Details

Rate History
No change since Sep 18, 2026 · 2.25% APY · checked 3 times
1.75%2.25%2.75%Sep 18, 2026: 2.25% APYSep 18, 2026Sep 28, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
3655 50th Ave S, St Petersburg, FL 33711
24 Month Certificate
$0
1.00% ▼ 1.84% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▼ 1.84% below avg
Details

Balance: $250.00 - $9,999.99

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 3 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Sep 28, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
3655 50th Ave S, St Petersburg, FL 33711
24 Month TD Choice CD
$250
1.00% ▼ 1.84% below national avg
View
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▼ 1.84% below avg
Details

Relationship APY

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Sep 28, 2026
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
Certificates of Deposit (CDs) - 24 Months
$2,000
4.70% ▲ 1.86% above national avg
View
▼
Rate4.59%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.86% above avg
Details

Rate History
1 change since Sep 18, 2026 · 4.65% → 4.70% ▲ 0.05 pts · high 4.70% / low 4.65%
4.15%4.68%5.20%Sep 18, 2026: 4.65% APYSep 27, 2026: 4.70% APYSep 18, 2026Sep 28, 2026
  • Sep 27, 20264.70%▲ from 4.65%
  • Sep 18, 20264.65%first recorded
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Relationship CD - 24 Month
$0
4.50% ▲ 1.66% above national avg
View
▼
Rate4.43%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.66% above avg
Details

Rate History
1 change since Sep 14, 2026 · 4.15% → 4.50% ▲ 0.35 pts · high 4.50% / low 4.15%
3.65%4.33%5.00%Sep 14, 2026: 4.15% APYSep 24, 2026: 4.50% APYSep 14, 2026Sep 28, 2026
  • Sep 24, 20264.50%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
24 Month CD
$1,000
4.45% ▲ 1.61% above national avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.61% above avg
Details

Rate History
No change since Sep 24, 2026 · 4.45% APY · checked 2 times
3.95%4.45%4.95%Sep 24, 2026: 4.45% APYSep 24, 2026Sep 28, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
24 Month New Money CD
$1,000
4.45% ▲ 1.61% above national avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.61% above avg
Details

Exclusively for Premier clients.

Rate History
No change since Sep 27, 2026 · 4.45% APY
3.95%4.45%4.95%Sep 27, 2026: 4.45% APYSep 27, 2026Sep 28, 2026
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
24 Month CD
$0
4.45% ▲ 1.61% above national avg
View
▼
Rate4.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.61% above avg
Details

Rate History
No change since Sep 24, 2026 · 4.45% APY · checked 2 times
3.95%4.45%4.95%Sep 24, 2026: 4.45% APYSep 24, 2026Sep 28, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
24 Month CD
$1,000
4.40% ▲ 1.56% above national avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.56% above avg
Details

Only available to existing Premier customers.

Rate History
No change since Sep 24, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Sep 24, 2026: 4.40% APYSep 24, 2026Sep 28, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
24 Month Online CD
$1,000
4.40% ▲ 1.56% above national avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.56% above avg
Details

Minimum balance to open and obtain APY is $1000.

Rate History
No change since Sep 24, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Sep 24, 2026: 4.40% APYSep 24, 2026Sep 28, 2026
McCoy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
24 Month Share Certificate
$0
4.28% ▲ 1.44% above national avg
View
▼
Rate4.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.44% above avg
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%
2.83%3.92%5.01%Sep 17, 2026: 3.56% APYSep 25, 2026: 4.28% APYSep 17, 2026Sep 28, 2026
  • Sep 25, 20264.28%▲ from 3.56%
  • Sep 17, 20263.56%first recorded
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
24-month CD
$1,000
4.25% ▲ 1.41% above national avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.41% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 4 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Sep 28, 2026
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
Traditional Kid's Club 24 month CD Special
$0
4.25% ▲ 1.41% above national avg
View
▼
Rate4.17%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.41% above avg
Details

Special; Tru Traditional/Roth IRA Accounts

Rate History
No change since Sep 22, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Sep 22, 2026: 4.25% APYSep 22, 2026Sep 28, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
CD - 24 Month
$0
4.20% ▲ 1.36% above national avg
View
▼
Rate4.14%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.36% above avg
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
3.35%4.03%4.70%Sep 14, 2026: 3.85% APYSep 24, 2026: 4.20% APYSep 14, 2026Sep 28, 2026
  • Sep 24, 20264.20%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
24 Month CD
$100,000
4.20% ▲ 1.36% above national avg
View
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.36% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 3 times
3.70%4.20%4.70%Sep 14, 2026: 4.20% APYSep 14, 2026Sep 28, 2026
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
24 Month Business Adjustable Rate Certificates
$1,000
4.20% ▲ 1.36% above national avg
View
▼
Rate4.11%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.36% above avg
Details

Rate History
No change since Sep 22, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Sep 22, 2026: 4.20% APYSep 22, 2026Sep 28, 2026
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
24 Month Certificate
$1,000
4.20% ▲ 1.36% above national avg
View
▼
Rate4.11%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.36% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 3 times
3.70%4.20%4.70%Sep 14, 2026: 4.20% APYSep 14, 2026Sep 28, 2026
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
24 MONTH CERTIFICATE
$150,000
4.16% ▲ 1.32% above national avg
View
▼
Rate—
Min Deposit$150,000
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.84%▲ 1.32% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.16% APY · checked 3 times
3.66%4.16%4.66%Sep 14, 2026: 4.16% APYSep 14, 2026Sep 28, 2026
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
24 MONTH IRA CERT
$150,000
4.16% ▲ 1.32% above national avg
View
▼
Rate—
Min Deposit$150,000
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.84%▲ 1.32% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.16% APY · checked 3 times
3.66%4.16%4.66%Sep 14, 2026: 4.16% APYSep 14, 2026Sep 28, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
24 Month CD
$100,000
4.15% ▲ 1.31% above national avg
View
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.31% above avg
Details

Interest Frequency: Semi

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Sep 28, 2026
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
24 MONTH CERTIFICATE
$75,000
4.11% ▲ 1.27% above national avg
View
▼
Rate—
Min Deposit$75,000
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.84%▲ 1.27% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.11% APY · checked 3 times
3.61%4.11%4.61%Sep 14, 2026: 4.11% APYSep 14, 2026Sep 28, 2026
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
24 MONTH IRA CERT
$75,000
4.11% ▲ 1.27% above national avg
View
▼
Rate—
Min Deposit$75,000
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.84%▲ 1.27% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.11% APY · checked 3 times
3.61%4.11%4.61%Sep 14, 2026: 4.11% APYSep 14, 2026Sep 28, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
24 Month CD
$100,000
4.10% ▲ 1.26% above national avg
View
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.26% above avg
Details

Interest Frequency: Semi

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Sep 28, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2 Year Retirement Liquid Share Certificates
$0
4.10% ▲ 1.26% above national avg
View
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.84%▲ 1.26% above avg
Details

Rate History
No change since Sep 18, 2026 · 4.10% APY · checked 4 times
3.60%4.10%4.60%Sep 18, 2026: 4.10% APYSep 18, 2026Sep 28, 2026
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
24 MONTH CERTIFICATE
$1,000
4.06% ▲ 1.22% above national avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.84%▲ 1.22% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 3 times
3.56%4.06%4.56%Sep 14, 2026: 4.06% APYSep 14, 2026Sep 28, 2026
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
24 MONTH IRA CERT
$1,000
4.06% ▲ 1.22% above national avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.84%▲ 1.22% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 3 times
3.56%4.06%4.56%Sep 14, 2026: 4.06% APYSep 14, 2026Sep 28, 2026
Transport Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
24 Month Jumbo Certificate
$0
4.06% ▲ 1.22% above national avg
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.22% above avg
Details

Jumbo Certificate rates require a $100,000.00 minimum deposit. Contact a Consumer Financial Advocate or review your Important Account Information brochure for details on terms and conditions.

Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 4 times
3.56%4.06%4.56%Sep 14, 2026: 4.06% APYSep 14, 2026Sep 28, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2 Year Retirement Liquid Share Certificates
$0
4.05% ▲ 1.21% above national avg
View
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.84%▲ 1.21% above avg
Details

Rate History
No change since Sep 21, 2026 · 4.05% APY · checked 3 times
3.55%4.05%4.55%Sep 21, 2026: 4.05% APYSep 21, 2026Sep 28, 2026
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
24-month CD
$1,000
4.00% ▲ 1.16% above national avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.16% above avg
Details

Rate History
1 change since Sep 14, 2026 · 3.00% → 4.00% ▲ 1.00 pts · high 4.00% / low 3.00%
2.00%3.50%5.00%Sep 14, 2026: 3.00% APYSep 24, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
  • Sep 24, 20264.00%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Commerce Bank & Trust Winter Park, FL
Institution Rating:
C-3.7 ★Texas Ratio: 30.17%
24 month CD
$500
4.00% ▲ 1.16% above national avg
View
▼
Rate3.92%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.16% above avg
Details

Traditional and IRA. Penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account. Penalty waived on a one-time withdrawal, up to the full amount of the CD, after the account has been open for 7 calendar days. Additional withdrawals will be assessed a 30 day interest penalty.

Rate History
1 change since Sep 11, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 11, 2026: 3.50% APYSep 24, 2026: 4.00% APYSep 11, 2026Sep 28, 2026
  • Sep 24, 20264.00%▲ from 3.50%
  • Sep 11, 20263.50%first recorded
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
24 Months Business Share Certificate/CD
$1,000
4.00% ▲ 1.16% above national avg
View
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.16% above avg
Details

Balance: $1,000 - $9,999

Rate History
No change since Sep 21, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 21, 2026: 4.00% APYSep 21, 2026Sep 28, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
24 Months CD
$1,000
4.00% ▲ 1.16% above national avg
View
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.16% above avg
Details

Balance: $1,000 - $9,999

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2 Year Business Share Certificates
$0
4.00% ▲ 1.16% above national avg
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.84%▲ 1.16% above avg
Details

Balance: $100,000 and over

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2 Year Retirement Liquid Share Certificates
$0
4.00% ▲ 1.16% above national avg
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.84%▲ 1.16% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
24 Month Fixed Rate Jumbo Certificates
$50,000
3.98% ▲ 1.14% above national avg
View
▼
Rate3.90%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.14% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.98% APY · checked 3 times
3.48%3.98%4.48%Sep 18, 2026: 3.98% APYSep 18, 2026Sep 28, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
24 Month Bonus Certificates
$0
3.97% ▲ 1.13% above national avg
View
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.13% above avg
Details

Balance: 24 Month

Rate History
1 change since Sep 21, 2026 · 3.96% → 3.97% ▲ 0.01 pts · high 3.97% / low 3.96%
3.46%3.97%4.47%Sep 21, 2026: 3.96% APYSep 25, 2026: 3.97% APYSep 21, 2026Sep 28, 2026
  • Sep 25, 20263.97%▲ from 3.96%
  • Sep 21, 20263.96%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates 24 Month
$0
3.97% ▲ 1.13% above national avg
View
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.13% above avg
Details

Balance: $40,000

Rate History
1 change since Sep 14, 2026 · 3.96% → 3.97% ▲ 0.01 pts · high 3.97% / low 3.96%
3.46%3.97%4.47%Sep 14, 2026: 3.96% APYSep 25, 2026: 3.97% APYSep 14, 2026Sep 28, 2026
  • Sep 25, 20263.97%▲ from 3.96%
  • Sep 14, 20263.96%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2 Year Business Share Certificates
$0
3.95% ▲ 1.11% above national avg
View
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.84%▲ 1.11% above avg
Details

Balance: $50,000 - $99,999.99

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 5 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Sep 28, 2026
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
2-Year Share Certificate
$1,000
3.93% ▲ 1.09% above national avg
View
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.09% above avg
Details

Penalty for early withdrawal: 6 Months Dividends

Rate History
No change since Sep 14, 2026 · 3.93% APY · checked 4 times
3.43%3.93%4.43%Sep 14, 2026: 3.93% APYSep 14, 2026Sep 28, 2026

St Petersburg 36 Month CD Rates

National 36 Month CD Average2.76% APY▼ 0.01% from last week
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%
1022 Central Ave, St Petersburg, FL 33705
36 Month Jumbo Certificate
$0
4.25% ▲ 1.49% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 1.49% above avg
Details

Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APYSep 18, 2026Sep 28, 2026
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
1022 Central Ave, St Petersburg, FL 33705
36 Month Share Certificate
$0
4.25% ▲ 1.49% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 1.49% above avg
Details

Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APYSep 18, 2026Sep 28, 2026
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
1022 Central Ave, St Petersburg, FL 33705
36 Month Youth Certificate
$0
4.25% ▲ 1.49% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 1.49% above avg
Details

Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APYSep 18, 2026Sep 28, 2026
GTE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.65%
4584 38th Ave N, St Petersburg, FL 33713
36 Month Jumbo Share Certificates
$0
3.71% ▲ 0.95% above national avg
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 0.95% above avg
Details

Rate History
No change since Sep 25, 2026 · 3.71% APY
3.21%3.71%4.21%Sep 25, 2026: 3.71% APYSep 25, 2026Sep 28, 2026
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
5500 16th St N, St Petersburg, FL 33703
36 month IRA CD
$0
3.65% ▲ 0.89% above national avg
View
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.89% above avg
Details

Balance: $100,000

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 3 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Sep 28, 2026
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
5500 16th St N, St Petersburg, FL 33703
36 month IRA CD
$0
3.60% ▲ 0.84% above national avg
View
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.84% above avg
Details

Balance: $25,000

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Sep 28, 2026
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
5500 16th St N, St Petersburg, FL 33703
36 month CD
$0
3.55% ▲ 0.79% above national avg
View
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.79% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Sep 28, 2026
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
5500 16th St N, St Petersburg, FL 33703
36 month IRA CD
$0
3.55% ▲ 0.79% above national avg
View
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.79% above avg
Details

Balance: $500

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Sep 28, 2026
Pinellas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
3100 5th Ave N, St Petersburg, FL 33713 7610
3 Year Certificate Account
$0
3.50% ▲ 0.74% above national avg
View
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.76%▲ 0.74% above avg
Details

Balance: $500+

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25%
2.75%3.38%4.00%Sep 14, 2026: 3.25% APYSep 21, 2026: 3.50% APYSep 14, 2026Sep 28, 2026
  • Sep 21, 20263.50%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
5500 16th St N, St Petersburg, FL 33703
36 month CD
$0
3.50% ▲ 0.74% above national avg
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.74% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Sep 28, 2026
GTE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.65%
4584 38th Ave N, St Petersburg, FL 33713
36 Month Share Certificate
$0
3.45% ▲ 0.69% above national avg
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 0.69% above avg
Details

Rate History
No change since Sep 25, 2026 · 3.45% APY
2.95%3.45%3.95%Sep 25, 2026: 3.45% APYSep 25, 2026Sep 28, 2026
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
5500 16th St N, St Petersburg, FL 33703
36 month CD
$0
3.45% ▲ 0.69% above national avg
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.69% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 3 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Sep 28, 2026
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
5500 16th St N, St Petersburg, FL 33703
Business 36 month CD
$0
3.45% ▲ 0.69% above national avg
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.69% above avg
Details

Balance: $100,000 and over

Rate History
No change since Sep 18, 2026 · 3.45% APY · checked 2 times
2.95%3.45%3.95%Sep 18, 2026: 3.45% APYSep 18, 2026Sep 28, 2026
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
5500 16th St N, St Petersburg, FL 33703
Business 36 month CD
$0
3.35% ▲ 0.59% above national avg
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.59% above avg
Details

Balance: $25,000 - $99,999.99

Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 2 times
2.85%3.35%3.85%Sep 18, 2026: 3.35% APYSep 18, 2026Sep 28, 2026
Pinellas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
3100 5th Ave N, St Petersburg, FL 33713 7610
Individual Retirement Account (IRA) Certificates - 3 Year
$0
3.25% ▲ 0.49% above national avg
View
▼
Rate3.21%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.76%▲ 0.49% above avg
Details

Balance: $500 & Up

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Sep 28, 2026
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
5500 16th St N, St Petersburg, FL 33703
Business 36 month CD
$0
3.25% ▲ 0.49% above national avg
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.49% above avg
Details

Balance: $500 - $24,999.99

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Sep 28, 2026
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
2646 4th St N, St Petersburg, FL 33704
36 Month IRA Certificates
$0
2.50% ▼ 0.26% below national avg
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▼ 0.26% below avg
Details

Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 3 times
2.00%2.50%3.00%Sep 18, 2026: 2.50% APYSep 18, 2026Sep 28, 2026
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
2646 4th St N, St Petersburg, FL 33704
36 Month Regular Certificates
$0
2.50% ▼ 0.26% below national avg
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▼ 0.26% below avg
Details

Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 3 times
2.00%2.50%3.00%Sep 18, 2026: 2.50% APYSep 18, 2026Sep 28, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
3655 50th Ave S, St Petersburg, FL 33711
3 Year Certificate
$0
1.00% ▼ 1.76% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▼ 1.76% below avg
Details

Balance: $250.00 - $9,999.99

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Sep 28, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
3655 50th Ave S, St Petersburg, FL 33711
3 Year TD Choice CD
$250
1.00% ▼ 1.76% below national avg
View
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▼ 1.76% below avg
Details

Relationship APY

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Sep 28, 2026
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
Certificates of Deposit (CDs) - 36 Months
$2,000
4.85% ▲ 2.09% above national avg
View
▼
Rate4.74%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 2.09% above avg
Details

Rate History
1 change since Sep 18, 2026 · 4.80% → 4.85% ▲ 0.05 pts · high 4.85% / low 4.80%
4.30%4.82%5.35%Sep 18, 2026: 4.80% APYSep 27, 2026: 4.85% APYSep 18, 2026Sep 28, 2026
  • Sep 27, 20264.85%▲ from 4.80%
  • Sep 18, 20264.80%first recorded
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Relationship CD - 36 Month
$0
4.60% ▲ 1.84% above national avg
View
▼
Rate4.52%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 1.84% above avg
Details

Rate History
1 change since Sep 14, 2026 · 4.20% → 4.60% ▲ 0.40 pts · high 4.60% / low 4.20%
3.70%4.40%5.10%Sep 14, 2026: 4.20% APYSep 24, 2026: 4.60% APYSep 14, 2026Sep 28, 2026
  • Sep 24, 20264.60%▲ from 4.20%
  • Sep 14, 20264.20%first recorded
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
36 Month Bonus CD
$0
4.50% ▲ 1.74% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 1.74% above avg
Details

Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APYSep 18, 2026Sep 28, 2026
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
36 Month CD
$0
4.50% ▲ 1.74% above national avg
View
▼
Rate4.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 1.74% above avg
Details

Rate History
No change since Sep 24, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Sep 24, 2026: 4.50% APYSep 24, 2026Sep 28, 2026
Transport Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
36 Month Jumbo Certificate
$0
4.32% ▲ 1.56% above national avg
View
▼
Rate4.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 1.56% above avg
Details

Jumbo Certificate rates require a $100,000.00 minimum deposit. Contact a Consumer Financial Advocate or review your Important Account Information brochure for details on terms and conditions.

Rate History
No change since Sep 14, 2026 · 4.32% APY · checked 4 times
3.82%4.32%4.82%Sep 14, 2026: 4.32% APYSep 14, 2026Sep 28, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
36 Month CD
$100,000
4.25% ▲ 1.49% above national avg
View
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 1.49% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Sep 28, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
36 Month CD
$100,000
4.20% ▲ 1.44% above national avg
View
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 1.44% above avg
Details

Interest Frequency: Monthly

Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 3 times
3.70%4.20%4.70%Sep 14, 2026: 4.20% APYSep 14, 2026Sep 28, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
36 Month CD
$100,000
4.15% ▲ 1.39% above national avg
View
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 1.39% above avg
Details

Interest Frequency: Semi

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Sep 28, 2026
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
3 Years Add-On Certificate
$0
4.15% ▲ 1.39% above national avg
View
▼
Rate4.09%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 1.39% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 4 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Sep 28, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
CD - 36 Month
$0
4.10% ▲ 1.34% above national avg
View
▼
Rate4.04%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 1.34% above avg
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
3.20%3.90%4.60%Sep 14, 2026: 3.70% APYSep 24, 2026: 4.10% APYSep 14, 2026Sep 28, 2026
  • Sep 24, 20264.10%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
36 Month CD
$100,000
4.10% ▲ 1.34% above national avg
View
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 1.34% above avg
Details

Interest Frequency: Semi

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Sep 28, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
3 Year Retirement Liquid Share Certificates
$0
4.10% ▲ 1.34% above national avg
View
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.76%▲ 1.34% above avg
Details

Rate History
No change since Sep 18, 2026 · 4.10% APY · checked 4 times
3.60%4.10%4.60%Sep 18, 2026: 4.10% APYSep 18, 2026Sep 28, 2026
McCoy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
36 Month Share Certificate
$0
4.07% ▲ 1.31% above national avg
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 1.31% above avg
Details

Balance: $1,000 - $4,999

Rate History
1 change since Sep 17, 2026 · 3.45% → 4.07% ▲ 0.62 pts · high 4.07% / low 3.45%
2.83%3.76%4.70%Sep 17, 2026: 3.45% APYSep 25, 2026: 4.07% APYSep 17, 2026Sep 28, 2026
  • Sep 25, 20264.07%▲ from 3.45%
  • Sep 17, 20263.45%first recorded
Transport Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
36 Month Share Certificates
$0
4.06% ▲ 1.30% above national avg
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 1.30% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 4 times
3.56%4.06%4.56%Sep 14, 2026: 4.06% APYSep 14, 2026Sep 28, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
36 Month CD
$100,000
4.05% ▲ 1.29% above national avg
View
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 1.29% above avg
Details

Interest Frequency: Monthly

Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 3 times
3.55%4.05%4.55%Sep 14, 2026: 4.05% APYSep 14, 2026Sep 28, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
3 Year Retirement Liquid Share Certificates
$0
4.05% ▲ 1.29% above national avg
View
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.76%▲ 1.29% above avg
Details

Rate History
No change since Sep 18, 2026 · 4.05% APY · checked 4 times
3.55%4.05%4.55%Sep 18, 2026: 4.05% APYSep 18, 2026Sep 28, 2026
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
3 Year Rising Rate CD
$0
4.00% ▲ 1.24% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 1.24% above avg
Details

Minimum to Obtain: $500

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Sep 28, 2026
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
36 Month Bonus CD
$0
4.00% ▲ 1.24% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 1.24% above avg
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Sep 28, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
36 Month CD
$100,000
4.00% ▲ 1.24% above national avg
View
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 1.24% above avg
Details

Interest Frequency: Monthly

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
36 Months Business Share Certificate/CD
$1,000
4.00% ▲ 1.24% above national avg
View
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 1.24% above avg
Details

Balance: $1,000 - $9,999

Rate History
No change since Sep 21, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 21, 2026: 4.00% APYSep 21, 2026Sep 28, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
36 Months CD
$1,000
4.00% ▲ 1.24% above national avg
View
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 1.24% above avg
Details

Balance: $1,000 - $9,999

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
3 Year Business Share Certificates
$0
4.00% ▲ 1.24% above national avg
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.76%▲ 1.24% above avg
Details

Balance: $100,000 and over

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
3 Year Retirement Liquid Share Certificates
$0
4.00% ▲ 1.24% above national avg
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.76%▲ 1.24% above avg
Details

Rate History
1 change since Sep 18, 2026 · 4.05% → 4.00% ▼ 0.05 pts · high 4.05% / low 4.00%
3.50%4.03%4.55%Sep 18, 2026: 4.05% APYSep 21, 2026: 4.00% APYSep 18, 2026Sep 28, 2026
  • Sep 21, 20264.00%▼ from 4.05%
  • Sep 18, 20264.05%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificates 3 Year
$100,000
4.00% ▲ 1.24% above national avg
View
▼
Rate3.93%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.76%▲ 1.24% above avg
Details

Rate History
1 change since Sep 14, 2026 · 3.95% → 4.00% ▲ 0.05 pts · high 4.00% / low 3.95%
3.45%3.98%4.50%Sep 14, 2026: 3.95% APYSep 18, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
  • Sep 18, 20264.00%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
3-Year Share Certificate
$1,000
3.98% ▲ 1.22% above national avg
View
▼
Rate3.90%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 1.22% above avg
Details

Penalty for early withdrawal: 9 Months Dividends

Rate History
No change since Sep 14, 2026 · 3.98% APY · checked 4 times
3.48%3.98%4.48%Sep 14, 2026: 3.98% APYSep 14, 2026Sep 28, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
36 Month Bonus Certificates
$0
3.97% ▲ 1.21% above national avg
View
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 1.21% above avg
Details

Balance: 36 Month

Rate History
No change since Sep 21, 2026 · 3.97% APY · checked 2 times
3.47%3.97%4.47%Sep 21, 2026: 3.97% APYSep 21, 2026Sep 28, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates 36 Month
$0
3.97% ▲ 1.21% above national avg
View
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 1.21% above avg
Details

Balance: $40,000

Rate History
1 change since Sep 14, 2026 · 3.91% → 3.97% ▲ 0.06 pts · high 3.97% / low 3.91%
3.41%3.94%4.47%Sep 14, 2026: 3.91% APYSep 25, 2026: 3.97% APYSep 14, 2026Sep 28, 2026
  • Sep 25, 20263.97%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
3 Year Business Share Certificates
$0
3.95% ▲ 1.19% above national avg
View
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.76%▲ 1.19% above avg
Details

Balance: $50,000 - $99,999.99

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 5 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Sep 28, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
3 Year Traditional/Roth IRA Certificates
$50,000
3.95% ▲ 1.19% above national avg
View
▼
Rate3.88%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.76%▲ 1.19% above avg
Details

Rate History
No change since Sep 21, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Sep 21, 2026: 3.95% APYSep 21, 2026Sep 28, 2026
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
36 MONTH CERTIFICATE
$150,000
3.91% ▲ 1.15% above national avg
View
▼
Rate—
Min Deposit$150,000
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.76%▲ 1.15% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.91% APY · checked 3 times
3.41%3.91%4.41%Sep 14, 2026: 3.91% APYSep 14, 2026Sep 28, 2026

St Petersburg 48 Month CD Rates

National 48 Month CD Average2.75% APY▼ 0.02% from last week
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%
1022 Central Ave, St Petersburg, FL 33705
48 Month Jumbo Certificate
$0
4.00% ▲ 1.25% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 1.25% above avg
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Sep 28, 2026
GTE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.65%
4584 38th Ave N, St Petersburg, FL 33713
48 Month Jumbo Share Certificates
$0
3.76% ▲ 1.01% above national avg
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▲ 1.01% above avg
Details

Rate History
No change since Sep 25, 2026 · 3.76% APY
3.26%3.76%4.26%Sep 25, 2026: 3.76% APYSep 25, 2026Sep 28, 2026
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
5500 16th St N, St Petersburg, FL 33703
48 month IRA CD
$0
3.75% ▲ 1.00% above national avg
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.00% above avg
Details

Balance: $100,000 and over

Rate History
No change since Sep 21, 2026 · 3.75% APY
3.25%3.75%4.25%Sep 21, 2026: 3.75% APYSep 21, 2026Sep 28, 2026
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
1022 Central Ave, St Petersburg, FL 33705
48 Month Share Certificate
$0
3.75% ▲ 1.00% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 1.00% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Sep 28, 2026
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
1022 Central Ave, St Petersburg, FL 33705
48 Month Youth Certificate
$0
3.75% ▲ 1.00% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 1.00% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Sep 28, 2026
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
5500 16th St N, St Petersburg, FL 33703
48 month IRA CD
$0
3.70% ▲ 0.95% above national avg
View
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 0.95% above avg
Details

Balance: $25,000 - $99,999.99

Rate History
No change since Sep 21, 2026 · 3.70% APY
3.20%3.70%4.20%Sep 21, 2026: 3.70% APYSep 21, 2026Sep 28, 2026
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
5500 16th St N, St Petersburg, FL 33703
48 month CD
$0
3.65% ▲ 0.90% above national avg
View
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 0.90% above avg
Details

Balance: $100,000 and over

Rate History
No change since Sep 21, 2026 · 3.65% APY
3.15%3.65%4.15%Sep 21, 2026: 3.65% APYSep 21, 2026Sep 28, 2026
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
5500 16th St N, St Petersburg, FL 33703
48 month IRA CD
$0
3.65% ▲ 0.90% above national avg
View
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 0.90% above avg
Details

Balance: $500 - $24,999.99

Rate History
No change since Sep 21, 2026 · 3.65% APY
3.15%3.65%4.15%Sep 21, 2026: 3.65% APYSep 21, 2026Sep 28, 2026
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
5500 16th St N, St Petersburg, FL 33703
Business 48 month CD
$0
3.65% ▲ 0.90% above national avg
View
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 0.90% above avg
Details

Balance: $100,000 and over

Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Sep 18, 2026: 3.65% APYSep 18, 2026Sep 28, 2026
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
5500 16th St N, St Petersburg, FL 33703
48 month CD
$0
3.60% ▲ 0.85% above national avg
View
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 0.85% above avg
Details

Balance: $25,000 - $99,999.99

Rate History
No change since Sep 21, 2026 · 3.60% APY
3.10%3.60%4.10%Sep 21, 2026: 3.60% APYSep 21, 2026Sep 28, 2026
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
5500 16th St N, St Petersburg, FL 33703
Business 48 month CD
$0
3.60% ▲ 0.85% above national avg
View
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 0.85% above avg
Details

Balance: $25,000 - $99,999.99

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Sep 28, 2026
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
5500 16th St N, St Petersburg, FL 33703
48 month CD
$0
3.55% ▲ 0.80% above national avg
View
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 0.80% above avg
Details

Balance: $500 - $24,999.99

Rate History
No change since Sep 21, 2026 · 3.55% APY
3.05%3.55%4.05%Sep 21, 2026: 3.55% APYSep 21, 2026Sep 28, 2026
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
5500 16th St N, St Petersburg, FL 33703
Business 48 month CD
$0
3.55% ▲ 0.80% above national avg
View
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 0.80% above avg
Details

Balance: $500 - $24,999.99

Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Sep 28, 2026
GTE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.65%
4584 38th Ave N, St Petersburg, FL 33713
48 Month Share Certificate
$0
3.51% ▲ 0.76% above national avg
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▲ 0.76% above avg
Details

Rate History
No change since Sep 25, 2026 · 3.51% APY
3.01%3.51%4.01%Sep 25, 2026: 3.51% APYSep 25, 2026Sep 28, 2026
Pinellas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
3100 5th Ave N, St Petersburg, FL 33713 7610
4 Year Certificate Account
$0
3.50% ▲ 0.75% above national avg
View
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.75%▲ 0.75% above avg
Details

Balance: $500+

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25%
2.75%3.38%4.00%Sep 14, 2026: 3.25% APYSep 21, 2026: 3.50% APYSep 14, 2026Sep 28, 2026
  • Sep 21, 20263.50%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Pinellas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
3100 5th Ave N, St Petersburg, FL 33713 7610
Individual Retirement Account (IRA) Certificates - 4 Year
$0
3.25% ▲ 0.50% above national avg
View
▼
Rate3.21%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.75%▲ 0.50% above avg
Details

Balance: $500 & Up

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Sep 28, 2026
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
2646 4th St N, St Petersburg, FL 33704
48 Month IRA Certificates
$0
2.75% At national avg
View
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%At the average
Details

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 3 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Sep 28, 2026
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
2646 4th St N, St Petersburg, FL 33704
48 Month Regular Certificates
$0
2.75% At national avg
View
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%At the average
Details

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 3 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Sep 28, 2026
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
Certificates of Deposit (CDs) - 48 Months
$2,000
4.95% ▲ 2.20% above national avg
View
▼
Rate4.83%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 2.20% above avg
Details

Rate History
1 change since Sep 18, 2026 · 4.85% → 4.95% ▲ 0.10 pts · high 4.95% / low 4.85%
4.35%4.90%5.45%Sep 18, 2026: 4.85% APYSep 27, 2026: 4.95% APYSep 18, 2026Sep 28, 2026
  • Sep 27, 20264.95%▲ from 4.85%
  • Sep 18, 20264.85%first recorded
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Relationship CD - 48 Month
$0
4.70% ▲ 1.95% above national avg
View
▼
Rate4.62%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 1.95% above avg
Details

Rate History
1 change since Sep 14, 2026 · 4.25% → 4.70% ▲ 0.45 pts · high 4.70% / low 4.25%
3.75%4.48%5.20%Sep 14, 2026: 4.25% APYSep 24, 2026: 4.70% APYSep 14, 2026Sep 28, 2026
  • Sep 24, 20264.70%▲ from 4.25%
  • Sep 14, 20264.25%first recorded
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
48 Month CD
$0
4.50% ▲ 1.75% above national avg
View
▼
Rate4.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 1.75% above avg
Details

Rate History
No change since Sep 24, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Sep 24, 2026: 4.50% APYSep 24, 2026Sep 28, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
48 Month CD
$100,000
4.25% ▲ 1.50% above national avg
View
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 1.50% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Sep 28, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
CD - 48 Month
$0
4.20% ▲ 1.45% above national avg
View
▼
Rate4.14%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 1.45% above avg
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.20% ▲ 0.45 pts · high 4.20% / low 3.75%
3.25%3.98%4.70%Sep 14, 2026: 3.75% APYSep 24, 2026: 4.20% APYSep 14, 2026Sep 28, 2026
  • Sep 24, 20264.20%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
48 Month CD
$100,000
4.20% ▲ 1.45% above national avg
View
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 1.45% above avg
Details

Interest Frequency: Monthly

Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 3 times
3.70%4.20%4.70%Sep 14, 2026: 4.20% APYSep 14, 2026Sep 28, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
48 Month CD
$100,000
4.15% ▲ 1.40% above national avg
View
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 1.40% above avg
Details

Interest Frequency: Semi

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Sep 28, 2026
Transport Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
48 Month Jumbo Certificate
$0
4.06% ▲ 1.31% above national avg
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 1.31% above avg
Details

Jumbo Certificate rates require a $100,000.00 minimum deposit. Contact a Consumer Financial Advocate or review your Important Account Information brochure for details on terms and conditions.

Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 4 times
3.56%4.06%4.56%Sep 14, 2026: 4.06% APYSep 14, 2026Sep 28, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
48 Month CD
$100,000
4.05% ▲ 1.30% above national avg
View
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 1.30% above avg
Details

Interest Frequency: Semi

Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 3 times
3.55%4.05%4.55%Sep 14, 2026: 4.05% APYSep 14, 2026Sep 28, 2026
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
4-Year Share Certificate
$1,000
4.03% ▲ 1.28% above national avg
View
▼
Rate3.95%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▲ 1.28% above avg
Details

Penalty for early withdrawal: 9 Months Dividends

Rate History
No change since Sep 14, 2026 · 4.03% APY · checked 4 times
3.53%4.03%4.53%Sep 14, 2026: 4.03% APYSep 14, 2026Sep 28, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
48 Month Bonus Certificates
$0
3.97% ▲ 1.22% above national avg
View
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▲ 1.22% above avg
Details

Balance: 48 Month

Rate History
No change since Sep 21, 2026 · 3.97% APY · checked 2 times
3.47%3.97%4.47%Sep 21, 2026: 3.97% APYSep 21, 2026Sep 28, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates 48 Month
$0
3.97% ▲ 1.22% above national avg
View
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▲ 1.22% above avg
Details

Balance: $40,000

Rate History
1 change since Sep 14, 2026 · 3.91% → 3.97% ▲ 0.06 pts · high 3.97% / low 3.91%
3.41%3.94%4.47%Sep 14, 2026: 3.91% APYSep 25, 2026: 3.97% APYSep 14, 2026Sep 28, 2026
  • Sep 25, 20263.97%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
48 Month Term Jumbo Certificate
$0
3.95% ▲ 1.20% above national avg
View
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 1.20% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 4 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Sep 28, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
48 Month IRA Jumbo
$0
3.92% ▲ 1.17% above national avg
View
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 1.17% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.92% APY · checked 4 times
3.42%3.92%4.42%Sep 14, 2026: 3.92% APYSep 14, 2026Sep 28, 2026
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
Jumbo Term Share Certificates - 4 Years
$0
3.90% ▲ 1.15% above national avg
View
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 1.15% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 4 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Sep 28, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
48 Month Certificate
$1,000
3.87% ▲ 1.12% above national avg
View
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 1.12% above avg
Details

Rate History
No change since Sep 22, 2026 · 3.87% APY · checked 2 times
3.37%3.87%4.37%Sep 22, 2026: 3.87% APYSep 22, 2026Sep 28, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
48 Month IRA
$0
3.87% ▲ 1.12% above national avg
View
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 1.12% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.87% APY · checked 4 times
3.37%3.87%4.37%Sep 14, 2026: 3.87% APYSep 14, 2026Sep 28, 2026
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
48-Month Term Certificate
$0
3.85% ▲ 1.10% above national avg
View
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 1.10% above avg
Details

Balance: $750,000-$999,999.99

Rate History
No change since Sep 24, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Sep 24, 2026: 3.85% APYSep 24, 2026Sep 28, 2026
Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
48 Month Term Certificate
$0
3.85% ▲ 1.10% above national avg
View
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 1.10% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 4 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Sep 28, 2026
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
48 Month Term Certificate
$0
3.82% ▲ 1.07% above national avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 15, 2026
National Average2.75%▲ 1.07% above avg
Details

Rate History
No change since Sep 15, 2026 · 3.82% APY
3.32%3.82%4.32%Sep 15, 2026: 3.82% APYSep 15, 2026Sep 28, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
48 Month Certificates
$0
3.81% ▲ 1.06% above national avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▲ 1.06% above avg
Details

Balance: $2,500 - $2,499.99

Rate History
No change since Sep 21, 2026 · 3.81% APY · checked 2 times
3.31%3.81%4.31%Sep 21, 2026: 3.81% APYSep 21, 2026Sep 28, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
48 Month CD
$200,000
3.80% ▲ 1.05% above national avg
View
▼
Rate—
Min Deposit$200,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 1.05% above avg
Details

Interest Frequency: Monthly

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Sep 28, 2026
Transport Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
48 Month Share Certificates
$0
3.80% ▲ 1.05% above national avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 1.05% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 4 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Sep 28, 2026
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
4 Year Term Share Certificates
$1,000
3.80% ▲ 1.05% above national avg
View
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 1.05% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYSep 18, 2026Sep 28, 2026
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
48-Month Term Certificate
$0
3.75% ▲ 1.00% above national avg
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 1.00% above avg
Details

Balance: $500,000-$749,999.99

Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 24, 2026: 3.75% APYSep 24, 2026Sep 28, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
48 Month CD - Certificates of Deposit
$0
3.75% ▲ 1.00% above national avg
View
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 1.00% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Sep 28, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
48 Month Certificates of Deposit
$1,000
3.75% ▲ 1.00% above national avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 1.00% above avg
Details

All rates are Annual Percentage Yields.

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Sep 28, 2026
Monroe County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.30%
48 Month IRA CD
$20,000
3.75% ▲ 1.00% above national avg
View
▼
Rate—
Min Deposit$20,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▲ 1.00% above avg
Details

Management has discretion to match local rate offerings! Call for weekly rates and information Early withdrawal penalties apply *APY=Annual Percentage Yield. Rates are indications only, and are subject to change with market conditions. Please contact a Member Service Representative for current rates. The stated rate and effective annual rate are the same.

Rate History
No change since Sep 20, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 20, 2026: 3.75% APYSep 20, 2026Sep 28, 2026
Monroe County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.30%
48 Month Share Certificate
$10,000
3.75% ▲ 1.00% above national avg
View
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▲ 1.00% above avg
Details

Management has discretion to match local rate offerings! Call for weekly rates and information Early withdrawal penalties apply *APY=Annual Percentage Yield. Rates are indications only, and are subject to change with market conditions. Please contact a Member Service Representative for current rates. The stated rate and effective annual rate are the same.

Rate History
No change since Sep 20, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 20, 2026: 3.75% APYSep 20, 2026Sep 28, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
Certificates 4 years
$1,000
3.75% ▲ 1.00% above national avg
View
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▲ 1.00% above avg
Details

Balance: $1,000.00+

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Sep 28, 2026
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
48 Month Business Fixed Rate Certificates
$1,000
3.72% ▲ 0.97% above national avg
View
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 0.97% above avg
Details

Compound Period: Daily

Rate History
No change since Sep 18, 2026 · 3.72% APY · checked 3 times
3.22%3.72%4.22%Sep 18, 2026: 3.72% APYSep 18, 2026Sep 28, 2026
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
48 Month Fixed Rate Certificates
$1,000
3.72% ▲ 0.97% above national avg
View
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 0.97% above avg
Details

Compound Period: Daily

Rate History
No change since Sep 22, 2026 · 3.72% APY · checked 2 times
3.22%3.72%4.22%Sep 22, 2026: 3.72% APYSep 22, 2026Sep 28, 2026

St Petersburg 60 Month CD Rates

National 60 Month CD Average2.84% APYUnchanged from last week
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%
1022 Central Ave, St Petersburg, FL 33705
60 Month Jumbo Certificate
$0
4.00% ▲ 1.16% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.16% above avg
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Sep 28, 2026
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
5500 16th St N, St Petersburg, FL 33703
60 month IRA CD
$0
3.85% ▲ 1.01% above national avg
View
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.01% above avg
Details

Balance: $100,000 and over

Rate History
No change since Sep 18, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Sep 18, 2026: 3.85% APYSep 18, 2026Sep 28, 2026
GTE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.65%
4584 38th Ave N, St Petersburg, FL 33713
60 Month Jumbo Share Certificates
$0
3.82% ▲ 0.98% above national avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.98% above avg
Details

Rate History
No change since Sep 25, 2026 · 3.82% APY
3.32%3.82%4.32%Sep 25, 2026: 3.82% APYSep 25, 2026Sep 28, 2026
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
5500 16th St N, St Petersburg, FL 33703
60 month IRA CD
$0
3.80% ▲ 0.96% above national avg
View
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.96% above avg
Details

Balance: $25,000 - $99,999.99

Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYSep 18, 2026Sep 28, 2026
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
5500 16th St N, St Petersburg, FL 33703
60 month CD
$0
3.75% ▲ 0.91% above national avg
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.91% above avg
Details

Balance: $100,000 and over

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Sep 28, 2026
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
5500 16th St N, St Petersburg, FL 33703
60 month IRA CD
$0
3.75% ▲ 0.91% above national avg
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.91% above avg
Details

Balance: $500 - $24,999.99

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Sep 28, 2026
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
5500 16th St N, St Petersburg, FL 33703
Business 60 month CD
$0
3.75% ▲ 0.91% above national avg
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.91% above avg
Details

Balance: $100,000 and over

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Sep 28, 2026
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
1022 Central Ave, St Petersburg, FL 33705
60 Month Share Certificate
$0
3.75% ▲ 0.91% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.91% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Sep 28, 2026
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
1022 Central Ave, St Petersburg, FL 33705
60 Month Youth Certificate
$0
3.75% ▲ 0.91% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.91% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Sep 28, 2026
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
5500 16th St N, St Petersburg, FL 33703
60 month CD
$0
3.70% ▲ 0.86% above national avg
View
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.86% above avg
Details

Balance: $25,000 - $99,999.99

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Sep 28, 2026
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
5500 16th St N, St Petersburg, FL 33703
Business 60 month CD
$0
3.70% ▲ 0.86% above national avg
View
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.86% above avg
Details

Balance: $25,000 - $99,999.99

Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Sep 18, 2026: 3.70% APYSep 18, 2026Sep 28, 2026
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
5500 16th St N, St Petersburg, FL 33703
60 month CD
$0
3.65% ▲ 0.81% above national avg
View
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.81% above avg
Details

Balance: $500 - $24,999.99

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 3 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Sep 28, 2026
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
5500 16th St N, St Petersburg, FL 33703
Business 60 month CD
$0
3.65% ▲ 0.81% above national avg
View
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.81% above avg
Details

Balance: $500 - $24,999.99

Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Sep 18, 2026: 3.65% APYSep 18, 2026Sep 28, 2026
GTE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.65%
4584 38th Ave N, St Petersburg, FL 33713
60 Month Share Certificate
$0
3.56% ▲ 0.72% above national avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.72% above avg
Details

Rate History
No change since Sep 25, 2026 · 3.56% APY
3.06%3.56%4.06%Sep 25, 2026: 3.56% APYSep 25, 2026Sep 28, 2026
Pinellas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
3100 5th Ave N, St Petersburg, FL 33713 7610
5 Year Certificate Account
$0
3.50% ▲ 0.66% above national avg
View
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.84%▲ 0.66% above avg
Details

Balance: $500+

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25%
2.75%3.38%4.00%Sep 14, 2026: 3.25% APYSep 21, 2026: 3.50% APYSep 14, 2026Sep 28, 2026
  • Sep 21, 20263.50%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Pinellas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
3100 5th Ave N, St Petersburg, FL 33713 7610
Individual Retirement Account (IRA) Certificates - 5 Year
$0
3.25% ▲ 0.41% above national avg
View
▼
Rate3.21%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.84%▲ 0.41% above avg
Details

Balance: $500 & Up

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Sep 28, 2026
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
2646 4th St N, St Petersburg, FL 33704
60 Month IRA Certificates
$0
3.00% ▲ 0.16% above national avg
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.16% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Sep 28, 2026
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
2646 4th St N, St Petersburg, FL 33704
60 Month Regular Certificates
$0
3.00% ▲ 0.16% above national avg
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.16% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Sep 28, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
3655 50th Ave S, St Petersburg, FL 33711
5 Year Certificate
$0
1.00% ▼ 1.84% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▼ 1.84% below avg
Details

Balance: $250.00 - $9,999.99

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Sep 28, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
3655 50th Ave S, St Petersburg, FL 33711
5 Year TD Choice CD
$250
1.00% ▼ 1.84% below national avg
View
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▼ 1.84% below avg
Details

Relationship APY

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Sep 28, 2026
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
Certificates of Deposit (CDs) - 60 Months
$2,000
5.00% ▲ 2.16% above national avg
View
▼
Rate4.88%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 2.16% above avg
Details

Rate History
1 change since Sep 18, 2026 · 4.95% → 5.00% ▲ 0.05 pts · high 5.00% / low 4.95%
4.45%4.98%5.50%Sep 18, 2026: 4.95% APYSep 27, 2026: 5.00% APYSep 18, 2026Sep 28, 2026
  • Sep 27, 20265.00%▲ from 4.95%
  • Sep 18, 20264.95%first recorded
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Relationship CD - 60 Month
$0
4.75% ▲ 1.91% above national avg
View
▼
Rate4.67%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.91% above avg
Details

Rate History
1 change since Sep 14, 2026 · 4.35% → 4.75% ▲ 0.40 pts · high 4.75% / low 4.35%
3.85%4.55%5.25%Sep 14, 2026: 4.35% APYSep 24, 2026: 4.75% APYSep 14, 2026Sep 28, 2026
  • Sep 24, 20264.75%▲ from 4.35%
  • Sep 14, 20264.35%first recorded
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
60 Month Bonus CD
$0
4.50% ▲ 1.66% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.66% above avg
Details

Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APYSep 18, 2026Sep 28, 2026
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
60 Month CD
$0
4.50% ▲ 1.66% above national avg
View
▼
Rate4.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.66% above avg
Details

Rate History
No change since Sep 24, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Sep 24, 2026: 4.50% APYSep 24, 2026Sep 28, 2026
Climate First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
60-Month CD
$500
4.39% ▲ 1.55% above national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.55% above avg
Details

90 days interest penalty for early withdrawal

Rate History
No change since Sep 14, 2026 · 4.39% APY · checked 3 times
3.89%4.39%4.89%Sep 14, 2026: 4.39% APYSep 14, 2026Sep 28, 2026
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
Jumbo 60 Month Certificates
$0
4.35% ▲ 1.51% above national avg
View
▼
Rate4.28%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.51% above avg
Details

Minimum $75,000

Rate History
No change since Sep 18, 2026 · 4.35% APY · checked 3 times
3.85%4.35%4.85%Sep 18, 2026: 4.35% APYSep 18, 2026Sep 28, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
60 Month CD
$100,000
4.30% ▲ 1.46% above national avg
View
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.46% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.30% APY · checked 3 times
3.80%4.30%4.80%Sep 14, 2026: 4.30% APYSep 14, 2026Sep 28, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
60 Month IRA Jumbo
$0
4.28% ▲ 1.44% above national avg
View
▼
Rate4.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.44% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.28% APY · checked 4 times
3.78%4.28%4.78%Sep 14, 2026: 4.28% APYSep 14, 2026Sep 28, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
CD - 60 Month
$0
4.25% ▲ 1.41% above national avg
View
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.41% above avg
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.25% ▲ 0.40 pts · high 4.25% / low 3.85%
3.35%4.05%4.75%Sep 14, 2026: 3.85% APYSep 24, 2026: 4.25% APYSep 14, 2026Sep 28, 2026
  • Sep 24, 20264.25%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
60 Month CD
$100,000
4.25% ▲ 1.41% above national avg
View
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.41% above avg
Details

Interest Frequency: Semi

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Sep 28, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
60 Month Certificate
$1,000
4.23% ▲ 1.39% above national avg
View
▼
Rate4.15%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.39% above avg
Details

Rate History
No change since Sep 22, 2026 · 4.23% APY · checked 2 times
3.73%4.23%4.73%Sep 22, 2026: 4.23% APYSep 22, 2026Sep 28, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
60 Month IRA
$0
4.23% ▲ 1.39% above national avg
View
▼
Rate4.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.39% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.23% APY · checked 4 times
3.73%4.23%4.73%Sep 14, 2026: 4.23% APYSep 14, 2026Sep 28, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
60 Month CD
$100,000
4.20% ▲ 1.36% above national avg
View
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.36% above avg
Details

Interest Frequency: Monthly

Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 3 times
3.70%4.20%4.70%Sep 14, 2026: 4.20% APYSep 14, 2026Sep 28, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
60 Month CD
$100,000
4.15% ▲ 1.31% above national avg
View
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.31% above avg
Details

Interest Frequency: Semi

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Sep 28, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5 Year Retirement Liquid Share Certificates
$0
4.10% ▲ 1.26% above national avg
View
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.84%▲ 1.26% above avg
Details

Rate History
No change since Sep 18, 2026 · 4.10% APY · checked 4 times
3.60%4.10%4.60%Sep 18, 2026: 4.10% APYSep 18, 2026Sep 28, 2026
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
Regular 60 Month Certificates
$5,000
4.09% ▲ 1.25% above national avg
View
▼
Rate4.03%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.25% above avg
Details

Minimum $5,000

Rate History
No change since Sep 14, 2026 · 4.09% APY · checked 3 times
3.59%4.09%4.59%Sep 14, 2026: 4.09% APYSep 14, 2026Sep 28, 2026
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
5-Year Share Certificate
$1,000
4.08% ▲ 1.24% above national avg
View
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.24% above avg
Details

Penalty for early withdrawal: 9 Months Dividends

Rate History
No change since Sep 14, 2026 · 4.08% APY · checked 4 times
3.58%4.08%4.58%Sep 14, 2026: 4.08% APYSep 14, 2026Sep 28, 2026
McCoy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
60 Month Share Certificate
$0
4.07% ▲ 1.23% above national avg
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.23% above avg
Details

Balance: $1,000 - $4,999

Rate History
1 change since Sep 14, 2026 · 2.89% → 4.07% ▲ 1.19 pts · high 4.07% / low 2.89%
1.70%3.48%5.26%Sep 14, 2026: 2.89% APYSep 25, 2026: 4.07% APYSep 14, 2026Sep 28, 2026
  • Sep 25, 20264.07%▲ from 2.89%
  • Sep 14, 20262.89%first recorded
Transport Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
60 Month Jumbo Certificate
$0
4.06% ▲ 1.22% above national avg
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.22% above avg
Details

Jumbo Certificate rates require a $100,000.00 minimum deposit. Contact a Consumer Financial Advocate or review your Important Account Information brochure for details on terms and conditions.

Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 4 times
3.56%4.06%4.56%Sep 14, 2026: 4.06% APYSep 14, 2026Sep 28, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
60 Month CD
$100,000
4.05% ▲ 1.21% above national avg
View
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.21% above avg
Details

Interest Frequency: Semi

Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 3 times
3.55%4.05%4.55%Sep 14, 2026: 4.05% APYSep 14, 2026Sep 28, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5 Year Retirement Liquid Share Certificates
$0
4.05% ▲ 1.21% above national avg
View
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.84%▲ 1.21% above avg
Details

Rate History
No change since Sep 21, 2026 · 4.05% APY · checked 3 times
3.55%4.05%4.55%Sep 21, 2026: 4.05% APYSep 21, 2026Sep 28, 2026
Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
60 Month Certificate
$0
4.02% ▲ 1.18% above national avg
View
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.18% above avg
Details

Balance: $100,000+

Rate History
No change since Sep 14, 2026 · 4.02% APY · checked 3 times
3.52%4.02%4.52%Sep 14, 2026: 4.02% APYSep 14, 2026Sep 28, 2026
Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
IRA Certificate Account - 60 months
$0
4.02% ▲ 1.18% above national avg
View
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.18% above avg
Details

Balance: $100,000+

Rate History
No change since Sep 14, 2026 · 4.02% APY · checked 4 times
3.52%4.02%4.52%Sep 14, 2026: 4.02% APYSep 14, 2026Sep 28, 2026
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
60 Month Bonus CD
$0
4.00% ▲ 1.16% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.16% above avg
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Sep 28, 2026
Monroe County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.30%
60 Month IRA CD
$20,000
4.00% ▲ 1.16% above national avg
View
▼
Rate—
Min Deposit$20,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.16% above avg
Details

Management has discretion to match local rate offerings! Call for weekly rates and information Early withdrawal penalties apply *APY=Annual Percentage Yield. Rates are indications only, and are subject to change with market conditions. Please contact a Member Service Representative for current rates. The stated rate and effective annual rate are the same.

Rate History
No change since Sep 20, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 20, 2026: 4.00% APYSep 20, 2026Sep 28, 2026
Monroe County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.30%
60 Month Share Certificate
$10,000
4.00% ▲ 1.16% above national avg
View
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.16% above avg
Details

Management has discretion to match local rate offerings! Call for weekly rates and information Early withdrawal penalties apply *APY=Annual Percentage Yield. Rates are indications only, and are subject to change with market conditions. Please contact a Member Service Representative for current rates. The stated rate and effective annual rate are the same.

Rate History
No change since Sep 20, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 20, 2026: 4.00% APYSep 20, 2026Sep 28, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
60 Month Bonus Certificates
$0
4.00% ▲ 1.16% above national avg
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.16% above avg
Details

Balance: 60 Month

Rate History
No change since Sep 21, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 21, 2026: 4.00% APYSep 21, 2026Sep 28, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates 60 Month
$0
4.00% ▲ 1.16% above national avg
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.16% above avg
Details

Balance: $40,000

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5 Year Business Share Certificates
$0
4.00% ▲ 1.16% above national avg
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.84%▲ 1.16% above avg
Details

Balance: $100,000 and over

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5 Year Retirement Liquid Share Certificates
$0
4.00% ▲ 1.16% above national avg
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.84%▲ 1.16% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
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.

Top CD Rates from St Petersburg, Florida Institutions

Highest verified APYs available today, updated September 28, 2026

B Top 5 Bank Rates
Truist
12-month CD
A+ 5.0 ★ TX: 3.81%
Min: $0
3.25%
Wells Fargo
1 year Standard Fixed Rate CD - Relationship
A 5.0 ★ TX: 6.32%
Min: $2,500
1.51%
TD Bank
12 Month Certificate
A+ 5.0 ★ TX: 4.06%
Min: $0
1.00%
Raymond James Bank
Certificates of Deposit (CDs) - 60 Months
A+ 5.0 ★ TX: 3.19%
Min: $2,000
5.00%
Third Federal Savings and Loan
6 Month Bonus CD
A+ 5.0 ★ TX: 2.32%
Min: $0
4.75%
CU Top 5 Credit Union Rates
Suncoast Credit Union
18 Month Jumbo Certificate
A 5.0 ★ TX: 6.26%
Min: $0
4.50%
Achieva Credit Union
6 month IRA CD
A+ 5.0 ★ TX: 2.57%
Min: $0
4.10%
Pinellas Federal Credit Union
1 Year Certificate Account
A+ 5.0 ★ TX: 3.96%
Min: $0
4.00%
GTE Federal Credit Union
12 Month Jumbo Share Certificates
A 5.0 ★ TX: 7.65%
Min: $0
3.82%
Midflorida Credit Union
60 Month IRA Certificates
A+ 5.0 ★ TX: 3.18%
Min: $0
3.00%
Rates verified September 28, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.

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.

View Full Florida CD Trends
12-Month CD FL Avg
2.942%
▼ 0.010 vs 7 days ago

Florida 12-month CD rates fell 0.010 points over the past 7 days to 2.942% APY.

6-Month CD FL Avg
2.768%
▲ 0.001 vs 7 days ago

Florida 6-month CD rates rose 0.001 points over the past 7 days to 2.768% APY.

As of Sep 28, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

FL CD Rate Forecast, Next 12 Months

Where are Florida CD rates headed through September 2027?

Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.

FL 12-Month Avg APY
2.942%
6-Month Forecast
2.942%
Range: 2.74% – 3.09%
12-Month Forecast
3.192%
Range: 2.99% – 3.34%

Data inputs: The central forecast assumes the Federal Reserve holds the federal funds rate at its current level, with one 25 basis point increase priced into the later months, consistent with CME FedWatch and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the Florida average 12-month CD APY in our database.

Spread model: The Florida 12-month CD average currently trades 1.43% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (an additional Fed increase, deposit competition stays high). Lower bound subtracts 0.20% (the Fed stays on hold and competition eases).

Limitations: Model-based estimates only, not guarantees. Verify current rates directly with institutions before making financial decisions.

Powered by MonitorBankRates

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 2.076% $103.80 $207.59 $518.98 $1,037.95
6-Month CD 2.768% $138.39 $276.78 $691.95 $1,383.90
12-Month CD 2.942% $147.08 $294.15 $735.38 $1,470.75
18-Month CD 2.817% $140.84 $281.67 $704.18 $1,408.35
24-Month CD 2.836% $141.82 $283.64 $709.10 $1,418.20
36-Month CD 2.757% $137.86 $275.71 $689.28 $1,378.55
48-Month CD 2.751% $137.54 $275.08 $687.70 $1,375.40
60-Month CD 2.843% $142.17 $284.33 $710.83 $1,421.65
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 28, 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.

Build Your Ladder
Rung Term Deposit FL Avg APY Annual Earnings
1 3-Month CD $5,000 2.076% $103.80
2 6-Month CD $5,000 2.768% $138.39
3 12-Month CD $5,000 2.942% $147.08
4 24-Month CD $5,000 2.836% $141.82
5 36-Month CD $5,000 2.757% $137.86
Total ($25,000 invested) $25,000 2.676% blended $668.95/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.

1,686
CD Rates
Tracked in St Petersburg, Florida
39 Banks 65 Credit Unions

About Our St Petersburg, Florida CD Rate Database

MonitorBankRates tracks 1,686 CD rates from 39 banks and 65 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 (1–5), 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 65 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: 104 institutions here report CD rates

Consider an Alternative If…

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
$123/yr
At FL 12-mo avg 2.942% 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 2.942%, saving 10% of the local median salary ($4,189/year) and putting it in a CD would earn an additional $123 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 (90–180 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

How Certificates of Deposit Work in St Petersburg, Florida

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.

Choosing a CD Term in St Petersburg, Florida

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, Achieva Credit Union is offering its 6 month IRA CD at 4.10% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Suncoast Credit Union is offering its 60 Month Jumbo Certificate 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 for St Petersburg, Florida Savers

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 in St Petersburg, Florida

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 in St Petersburg, Florida

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

Are CD rates in St Petersburg, Florida FDIC insured?

Yes, most established banks in St 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 St 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 St 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 St 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 St Petersburg, Florida?

Here are recent top rates found for this area:
  • Suncoast Credit Union: 4.50% APY (18 Month Jumbo Certificate)
  • Achieva Credit Union: 4.10% APY (6 month IRA CD)
  • Pinellas Federal Credit Union: 4.00% APY (1 Year Certificate Account)
  • GTE Federal Credit Union: 3.82% APY (12 Month Jumbo Share Certificates)
  • Truist: 3.25% APY (12-month CD)
  • Midflorida Credit Union: 3.00% APY (60 Month IRA Certificates)
  • Wells Fargo: 1.51% APY (1 year Standard Fixed Rate CD - Relationship)
  • TD Bank: 1.00% APY (12 Month Certificate)
  • Raymond James Bank: 5.00% APY (Certificates of Deposit (CDs) - 60 Months)
  • Platinum Federal Credit Union: 5.00% APY (12 Month Family Legacy Certificate Account)
Rates reflect recent verified offers available in St Petersburg, Florida. Last Updated: September 28, 2026

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.

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 30–180 days of interest. Estimates are for informational purposes only.

Top St Petersburg, Florida CD Rates by Term

Verified September 28, 2026 · click a rate to use its term and APY
Highest verified APY per term available in St Petersburg, Florida. Averages shown use the Florida state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for St Petersburg, Florida

St Petersburg, Florida CD Calculator

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 Ladder

FL CD rates currently range from 2.076% (3-month) to 2.757% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a St Petersburg, Florida CD at 4.50% APY, know your exit cost. Most institutions charge 90–180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

Florida’s average 12-month CD is 2.942% 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.

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: September 28, 2026

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