Tampa, Florida CD Rates Today - Compare Best APYs for May 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
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.
Read Full Bio →
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.
Current Tampa, Florida CD rates include U S POSTAL SERVICEU S POSTAL SERVICE7650 W Courtney Campbell Cswy Ste 900, Tampa, FL 33607A+5.0 ★Texas Ratio: 4.34%Real return: +1.45%APY minus CPI (February 2026) offering IRA Certificates 1 Year Starter Add-On at 4.25% APY, Tampa Bay Federal Credit UnionTampa Bay Federal Credit Union3815 N Nebraska Ave, Tampa, FL 33603A-5.0 ★Texas Ratio: 13.64%Real return: +1.35%APY minus CPI (February 2026) offering Share Certificate 18 Month Market Watch at 4.15% APY, Achieva Credit UnionAchieva Credit Union10901 N Dale Mabry Hwy, Tampa, FL 33618 4112A+5.0 ★Texas Ratio: 1.78%Real return: +1.30%APY minus CPI (February 2026) offering 6 month IRA CD at 4.10% APY, Florida West Coast Credit UnionFlorida West Coast Credit Union3020 Melburne Blvd, Tampa, FL 33605A+5.0 ★Texas Ratio: 1.91%Real return: +1.28%APY minus CPI (February 2026) offering 12 Month Certificate at 4.08% APY, and Dfcu Financial Credit UnionDfcu Financial Credit Union10824 N Dale Mabry Hwy, Tampa, FL 33618A+5.0 ★Texas Ratio: 1.02%Real return: +1.20%APY minus CPI (February 2026) offering Share Certificates 3 month at 4.00% APY. CD rates as of May 30, 2026 according to verified data from MonitorBankRates.
Tampa has 247 local institutions in our database, with CD rates as high as 4.25% APY from U S POSTAL SERVICE at 7650 W Courtney Campbell Cswy Ste 900, Tampa, FL 33607. 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 — 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: May 30, 2026
Compare Best CD Rates in Tampa, Florida & the Surrounding Area
Tampa 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
10824 N Dale Mabry Hwy, Tampa, FL 33618
Share Certificates 3 month
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
10824 N Dale Mabry Hwy, Tampa, FL 33618
Share Certificates 3 month
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 23, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
113 E Whiting St, Tampa, FL 33602
3-Month CD
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
3 month CD
$500
2.40%
▼
Rate2.37%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
3202 W Waters Ave, Tampa, FL 33614
IRA Certificates 3 Month
$0
1.00%
▼
Rate0.99%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
2307 W Kennedy Blvd, Tampa, FL 33609
3 Month
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMay 21, 2026
Details
Relationship APY
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
201 N Franklin St, Tampa, FL 33602
Regular CD 90 Days
$0
0.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Guaranteed rate for 3 months
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
3-Month Share Certificate
$100,000
3.60%
▼
Rate3.54%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 23, 2026
Details
Panhandle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
90-Day IRA Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Panhandle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
90-Day Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 21, 2026
Details
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
3-Month CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Annual Percentage Yield (APY). The interest rate and APY are effective as of May 21, 2026 and are subject to change. A penalty may be imposed for early withdrawal. Withdrawal penalties are as follows. For a 3-month term, the penalty is 30 days' interest. Fees could reduce earnings on the account. Additional restrictions may apply.
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
Share Certificates 3 Month
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
Business Share Certificates 3 Month
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Axiom Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.62%
3 Months Certificates of Deposit & IRAs
$0
3.35%
▼
Rate3.29%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Axiom Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.62%
Small Business Certificates of Deposit 3 Months
$0
3.35%
▼
Rate3.29%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
3-Month Share Certificate
$1,000
3.26%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
3 Months Standard Certificates
$0
3.26%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
Standard Certificates 3 Months
$0
3.26%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
3-Month Term Certificate
$1,000,000
3.25%
▼
Rate3.20%
Min Deposit$1,000,000
Min Balance—
UpdatedMay 21, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
3-Month Term Certificate
$750,000
3.15%
▼
Rate3.10%
Min Deposit$750,000
Min Balance—
UpdatedMay 21, 2026
Details
Okaloosa County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
3 Months Certificate
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Funding Limit: $12M
Innovations Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
Compounding IRA Share Certificates 3 months
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Innovations Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
Compounding Share Certificates 3 months
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
3-Month Term Certificate
$50,000
3.00%
▼
Rate2.96%
Min Deposit$50,000
Min Balance—
UpdatedMay 21, 2026
Details
Innovations Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
Non-Compounding Share Certificates 3 months
$0
2.96%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
3-Month Term Certificate
$500
2.90%
▼
Rate2.86%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
90 Days Certificates of Deposit (CDs)
$2,000
2.85%
▼
Rate2.81%
Min Deposit$2,000
Min Balance—
UpdatedMay 21, 2026
Details
purchased through Raymond James brokerage account
Rate2.71%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
A penalty may be imposed for early withdrawal.
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
Traditional IRA / Roth IRA Share Certificates 3 month
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 and above
Insight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
3 Month Millionaire Certificate
$1,000,000
2.55%
▼
Rate—
Min Deposit$1,000,000
Min Balance—
UpdatedMay 20, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
3 Months Term Share Certificates
$1,000
2.50%
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
Traditional IRA / Roth IRA Share Certificates 3 month
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Under $100,000
Insight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
3 Month Regular Certificate
$1,000
2.45%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Miami Postal Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
3 Months Share Certificates
$0
2.25%
▼
Rate2.22%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Miami Postal Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
Share Certificates 3 Months
$0
2.25%
▼
Rate2.22%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Funding Limit: $12M
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
Traditional IRA and Roth IRA Certificate 3 month
$100,000
1.12%
▼
Rate1.11%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
3 Month Term Certificate
$0
1.10%
▼
Rate1.09%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
Special Certificate 3 month
$500
1.02%
▼
Rate1.01%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
Traditional and Roth IRA 3 month
$500
1.02%
▼
Rate1.01%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Tampa 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
6 month IRA CD
$100,000
4.10%
▼
Rate4.03%
Min Deposit$100,000
Min Balance—
UpdatedMay 23, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
6 month IRA CD
$25,000
4.05%
▼
Rate3.98%
Min Deposit$25,000
Min Balance—
UpdatedMay 23, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
6 month CD
$100,000
4.00%
▼
Rate3.93%
Min Deposit$100,000
Min Balance—
UpdatedMay 23, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
6 month HSA Certificate of Deposit (CD)
$100,000
4.00%
▼
Rate3.93%
Min Deposit$100,000
Min Balance—
UpdatedMay 23, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
6 month IRA CD
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
HSA Certificate of Deposit (CD) 6 month
$100,000
4.00%
▼
Rate3.93%
Min Deposit$100,000
Min Balance—
UpdatedMay 23, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
6 month CD
$25,000
3.95%
▼
Rate3.88%
Min Deposit$25,000
Min Balance—
UpdatedMay 23, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
6 month HSA Certificate of Deposit (CD)
$25,000
3.95%
▼
Rate3.88%
Min Deposit$25,000
Min Balance—
UpdatedMay 23, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
HSA Certificate of Deposit (CD) 6 month
$25,000
3.95%
▼
Rate3.88%
Min Deposit$25,000
Min Balance—
UpdatedMay 23, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
6 month CD
$500
3.90%
▼
Rate3.83%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
6 month HSA Certificate of Deposit (CD)
$500
3.90%
▼
Rate3.83%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
6-month CD
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
HSA Certificate of Deposit (CD) 6 month
$500
3.90%
▼
Rate3.83%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
3020 Melburne Blvd, Tampa, FL 33605
6 Month Certificate
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 23, 2026
Details
BayFirst National Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.71%
3015 W Columbus Dr, Tampa, FL 33607
6-Month CD
$1,000
3.64%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
PowerNet Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
5619 Harney Rd, Tampa, FL 33610
6 Month Certificate
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Early withdrawal penalties may apply.
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
3209 E Busch Blvd, Tampa, FL 33612 8737
6 Month Certificate of Deposit (IRA)
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
3209 E Busch Blvd, Tampa, FL 33612 8737
Member Merits (Gold1) 6 Month Certificate of Deposit
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
3209 E Busch Blvd, Tampa, FL 33612 8737
6 Month Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
113 E Whiting St, Tampa, FL 33602
6-Month CD
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
113 E Whiting St, Tampa, FL 33602
6-Month Fixed Rate CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Tampa Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
3501 Bessie Coleman Blvd, Tampa, FL 33630
6 Month Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Tampa Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
3501 Bessie Coleman Blvd, Tampa, FL 33630
6 Month Share Certificate Accounts
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
10824 N Dale Mabry Hwy, Tampa, FL 33618
Share Certificates 6 month
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
GTE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.76%
711 E Henderson Ave, Tampa, FL 33602
6 months
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Trax Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
3710 N 50th St, Tampa, FL 33619
Jumbo Share Certificates 6-Month Share Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Trax Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
3710 N 50th St, Tampa, FL 33619
6-Month Share Certificate
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
3202 W Waters Ave, Tampa, FL 33614
IRA Certificates 6 Month
$0
1.25%
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
2307 W Kennedy Blvd, Tampa, FL 33609
6 Month
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMay 21, 2026
Details
Relationship APY
Florida Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
3333 Henderson Blvd, Tampa, FL 33609 2955
Regular and IRA Share Certificates: 6 Months
$0
0.16%
▼
Rate0.16%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Florida Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
3333 Henderson Blvd, Tampa, FL 33609 2955
Regular and IRA: 6 Months
$0
0.16%
▼
Rate0.16%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Florida Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
3333 Henderson Blvd, Tampa, FL 33609 2955
Regular and IRA: 6 Months Share Certificates
$0
0.16%
▼
Rate0.16%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Florida Customs Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5519 W Hillsborough Ave, Tampa, FL 33634
Share Certificates 6 Month Term
$0
0.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
201 N Franklin St, Tampa, FL 33602
Regular CD 180 Days
$0
0.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
327 N Dale Mabry Hwy, Tampa, FL 33609
6 months
$500
0.01%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
6-Month CD Term
$1,000
4.15%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
Rates subject to change
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
6 Months Fixed Rate Certificates
$1,000
4.08%
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
Business Fixed Rate Certificates 6 Months
$1,000
4.08%
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
6 Months Certificates of Deposit (CDs)
$2,000
4.00%
▼
Rate3.92%
Min Deposit$2,000
Min Balance—
UpdatedMay 21, 2026
Details
purchased through Raymond James brokerage account
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 21, 2026
Details
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
Jumbo Certificates 6-Month
$50,000
3.87%
▼
Rate3.80%
Min Deposit$50,000
Min Balance—
UpdatedMay 30, 2026
Details
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
6-Month Certificates and IRA Certificates
$500
3.87%
▼
Rate3.80%
Min Deposit$500
Min Balance—
UpdatedMay 30, 2026
Details
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
Golden Eagle Certificates 6-Month
$5,000
3.87%
▼
Rate3.80%
Min Deposit$5,000
Min Balance—
UpdatedMay 30, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
6-Month Share Certificate
$1,000
3.87%
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 2.29%
6 Month IRA Share Certificate
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 2.29%
6 Months Share Certificates
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 23, 2026
Details
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
6 Months Share Certificate Promotional Rate
$0
3.75%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 6 Month IRA
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Tampa 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
7650 W Courtney Campbell Cswy Ste 900, Tampa, FL 33607
IRA Certificates 1 Year Starter Add-On
$0
4.25%
▼
Rate4.18%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
7650 W Courtney Campbell Cswy Ste 900, Tampa, FL 33607
1 Year Add-On Certificate
$0
4.10%
▼
Rate4.04%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
7650 W Courtney Campbell Cswy Ste 900, Tampa, FL 33607
1 Year Add-On Starter Certificate
$0
4.10%
▼
Rate4.04%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
3020 Melburne Blvd, Tampa, FL 33605
12 Month Certificate
$500
4.08%
▼
Rate4.00%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
3020 Melburne Blvd, Tampa, FL 33605
12 Month Certificate
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Tampa Bay Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 13.64%
3815 N Nebraska Ave, Tampa, FL 33603
12 Month Certificate
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
12 month IRA CD
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
3209 E Busch Blvd, Tampa, FL 33612 8737
12 Month Certificate of Deposit (IRA)
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
3209 E Busch Blvd, Tampa, FL 33612 8737
Member Merits (Gold1) 12 Month Certificate of Deposit
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
12 month CD
$100,000
3.60%
▼
Rate3.54%
Min Deposit$100,000
Min Balance—
UpdatedMay 23, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
12 month HSA CD
$100,000
3.60%
▼
Rate3.54%
Min Deposit$100,000
Min Balance—
UpdatedMay 23, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
12 month IRA CD
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
7650 W Courtney Campbell Cswy Ste 900, Tampa, FL 33607
IRA Certificates 1 Year
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
GTE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.76%
711 E Henderson Ave, Tampa, FL 33602
12 months
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
3209 E Busch Blvd, Tampa, FL 33612 8737
12 Month Certificate
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
PowerNet Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
5619 Harney Rd, Tampa, FL 33610
12 Month Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Early withdrawal penalties may apply.
Tampa Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
3501 Bessie Coleman Blvd, Tampa, FL 33630
12 Month IRA Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Tampa Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
3501 Bessie Coleman Blvd, Tampa, FL 33630
12 Month IRA Certificate Accounts
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
10824 N Dale Mabry Hwy, Tampa, FL 33618
Share Certificates 1 year
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
12 month CD
$25,000
3.50%
▼
Rate3.44%
Min Deposit$25,000
Min Balance—
UpdatedMay 23, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
12 month HSA CD
$25,000
3.50%
▼
Rate3.44%
Min Deposit$25,000
Min Balance—
UpdatedMay 23, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
12 month IRA CD
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
BayFirst National Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.71%
3015 W Columbus Dr, Tampa, FL 33607
12-Month CD
$1,000
3.49%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
BayFirst National Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.71%
3015 W Columbus Dr, Tampa, FL 33607
12-Month IRA CD
$1,000
3.49%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
17635 Bruce B Downs Blvd, Tampa, FL 33647
12 Month IRA/HSA CD VIP BONUS
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
17635 Bruce B Downs Blvd, Tampa, FL 33647
12 Month CD VIP BONUS
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
113 E Whiting St, Tampa, FL 33602
12-Month Fixed Rate CD
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
12 month CD
$500
3.40%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
12 month HSA CD
$500
3.40%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
FLC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
4830 W Kennedy Blvd, Tampa, FL 33609
Certificate of Deposit & IRA (Personal & Business)2 Promotional Rate: 1-Year
$50,000
3.35%
▼
Rate3.30%
Min Deposit$50,000
Min Balance—
UpdatedMay 17, 2026
Details
Opening Balance Required for Personal or Business is $50,000
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
10824 N Dale Mabry Hwy, Tampa, FL 33618
Share Certificates 1 year
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
7650 W Courtney Campbell Cswy Ste 900, Tampa, FL 33607
1 Year Share Certificates
$0
3.35%
▼
Rate3.31%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Trax Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
3710 N 50th St, Tampa, FL 33619
Jumbo Share Certificates 1-Year Share Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Tampa Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
3501 Bessie Coleman Blvd, Tampa, FL 33630
12 Month Share Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Tampa Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
3501 Bessie Coleman Blvd, Tampa, FL 33630
12 Month Share Certificate Accounts
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
10824 N Dale Mabry Hwy, Tampa, FL 33618
Share Certificates 1 year
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Trax Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
3710 N 50th St, Tampa, FL 33619
1-Year Share Certificate
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
3202 W Waters Ave, Tampa, FL 33614
IRA Certificates 12 Month
$0
1.50%
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
2307 W Kennedy Blvd, Tampa, FL 33609
12 Month IRA Certificates
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMay 21, 2026
Details
Relationship APY
FLC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
4830 W Kennedy Blvd, Tampa, FL 33609
Certificate of Deposit & IRA (Personal & Business)2 1-Year
$0
0.35%
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Florida Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
3333 Henderson Blvd, Tampa, FL 33609 2955
Regular and IRA Share Certificates: 12 Months
$0
0.21%
▼
Rate0.21%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Florida Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
3333 Henderson Blvd, Tampa, FL 33609 2955
Regular and IRA: 12 Months
$0
0.21%
▼
Rate0.21%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Florida Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
3333 Henderson Blvd, Tampa, FL 33609 2955
Regular and IRA: 12 Months Share Certificates
$0
0.21%
▼
Rate0.21%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Florida Customs Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5519 W Hillsborough Ave, Tampa, FL 33634
Share Certificates 12 Month Term
$0
0.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
201 N Franklin St, Tampa, FL 33602
Regular CD 12 Months
$0
0.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
327 N Dale Mabry Hwy, Tampa, FL 33609
1-year convertible CD
$500
0.01%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Qualifying balance up to $49,000.00
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
327 N Dale Mabry Hwy, Tampa, FL 33609
12 months
$500
0.01%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
Tru Certificates of Deposit Teen 12 Month Special
$0
4.33%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
*Max Amount $2,500
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
12 Months Certificates of Deposit (CDs)
$2,000
4.05%
▼
Rate3.97%
Min Deposit$2,000
Min Balance—
UpdatedMay 21, 2026
Details
purchased through Raymond James brokerage account
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
12-Month Term Certificate
$1,000,000
4.05%
▼
Rate3.98%
Min Deposit$1,000,000
Min Balance—
UpdatedMay 21, 2026
Details
Tampa 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Tampa Bay Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 13.64%
3815 N Nebraska Ave, Tampa, FL 33603
18 Month Market Watch** Share Certificate
$500
4.15%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Tampa Bay Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 13.64%
3815 N Nebraska Ave, Tampa, FL 33603
Share Certificate 18 Month Market Watch
$500
4.15%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
18 month IRA CD
$500
3.85%
▼
Rate3.78%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
18 month CD
$500
3.75%
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
17635 Bruce B Downs Blvd, Tampa, FL 33647
18 Month CD VIP BONUS
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
17635 Bruce B Downs Blvd, Tampa, FL 33647
18 Month IRA/HSA CD VIP BONUS
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
3209 E Busch Blvd, Tampa, FL 33612 8737
18 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
3209 E Busch Blvd, Tampa, FL 33612 8737
Member Merits (Gold1) 18 Month Certificate of Deposit
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
GTE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.76%
711 E Henderson Ave, Tampa, FL 33602
18 months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Trax Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
3710 N 50th St, Tampa, FL 33619
Jumbo Share Certificates 18-Month Share Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
3209 E Busch Blvd, Tampa, FL 33612 8737
18 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Tampa Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
3501 Bessie Coleman Blvd, Tampa, FL 33630
18 Month Share Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Tampa Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
3501 Bessie Coleman Blvd, Tampa, FL 33630
18 Month Share Certificate Accounts
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Trax Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
3710 N 50th St, Tampa, FL 33619
18-Month Certificate
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
10824 N Dale Mabry Hwy, Tampa, FL 33618
Share Certificates 18 month
$100,000
2.20%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 23, 2026
Details
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
3202 W Waters Ave, Tampa, FL 33614
IRA Certificates 18 Month
$0
2.00%
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
10824 N Dale Mabry Hwy, Tampa, FL 33618
Share Certificates 18 month
$25,000
2.00%
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 23, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
10824 N Dale Mabry Hwy, Tampa, FL 33618
Share Certificates 18 month
$1,000
1.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 23, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
2307 W Kennedy Blvd, Tampa, FL 33609
18 Month IRA Certificates
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMay 21, 2026
Details
$250.00 - $9,999.99; Relationship APY
FLC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
4830 W Kennedy Blvd, Tampa, FL 33609
Certificate of Deposit & IRA (Personal & Business)2 18-Month
$0
0.35%
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Florida Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
3333 Henderson Blvd, Tampa, FL 33609 2955
Regular and IRA Share Certificates: 18 Months
$0
0.26%
▼
Rate0.26%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Florida Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
3333 Henderson Blvd, Tampa, FL 33609 2955
Regular and IRA: 18 Months
$0
0.26%
▼
Rate0.26%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Florida Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
3333 Henderson Blvd, Tampa, FL 33609 2955
Regular and IRA: 18 Months Share Certificates
$0
0.26%
▼
Rate0.26%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Florida Customs Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5519 W Hillsborough Ave, Tampa, FL 33634
Share Certificates 18 Month Term
$0
0.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
327 N Dale Mabry Hwy, Tampa, FL 33609
18 months
$500
0.02%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
18 Months Certificates of Deposit (CDs)
$2,000
4.20%
▼
Rate4.11%
Min Deposit$2,000
Min Balance—
UpdatedMay 21, 2026
Details
purchased through Raymond James brokerage account
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 2.29%
18 Month IRA Share Certificate
$0
4.15%
▼
Rate4.07%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 2.29%
18 Month Share Certificate Rate
$0
4.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 2.29%
18 Months Share Certificates
$0
4.15%
▼
Rate4.07%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 18 Month IRA
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 21, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 18 Month IRA
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 18 Month IRA
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
IRA Certificate Term 18-Month Variable
$100,000
3.89%
▼
Rate3.82%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 23, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
Online Only
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
Petite Share Certificates 18 month
$40,000
3.80%
▼
Rate3.73%
Min Deposit$40,000
Min Balance—
UpdatedMay 17, 2026
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
18 Months IRA Certificates
$0
3.77%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
First Bank (NJ)
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
12 or 18 Month Certificate of Deposit
$2,500
3.75%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 21, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
18 MONTH CERTIFICATE
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
18 MONTH IRA CERT
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
18 MONTH CERTIFICATE
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
18 MONTH IRA CERT
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
EGLIN
Institution Rating:
A5.0 ★Texas Ratio: 0.94%
Preferred Investment Certificates 18 month
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Okaloosa County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
18 Months Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
Certificates of Deposit 18 months
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Tampa 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
24 month IRA CD
$500
3.85%
▼
Rate3.78%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
3020 Melburne Blvd, Tampa, FL 33605
24 Month Certificate
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 23, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
24 month CD
$500
3.75%
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
7650 W Courtney Campbell Cswy Ste 900, Tampa, FL 33607
IRA Certificates 2 Years
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
17635 Bruce B Downs Blvd, Tampa, FL 33647
24 Month CD VIP BONUS
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
17635 Bruce B Downs Blvd, Tampa, FL 33647
24 Month IRA/HSA CD VIP BONUS
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
PowerNet Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
5619 Harney Rd, Tampa, FL 33610
24 Month Certificate
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Early withdrawal penalties may apply.
GTE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.76%
711 E Henderson Ave, Tampa, FL 33602
24 months
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
7650 W Courtney Campbell Cswy Ste 900, Tampa, FL 33607
2 Years Certificate
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
7650 W Courtney Campbell Cswy Ste 900, Tampa, FL 33607
2 Years Share Certificates
$0
3.30%
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
3209 E Busch Blvd, Tampa, FL 33612 8737
Member Merits (Gold1) 24 Month Certificate of Deposit
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
3209 E Busch Blvd, Tampa, FL 33612 8737
24 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
3209 E Busch Blvd, Tampa, FL 33612 8737
24 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
113 E Whiting St, Tampa, FL 33602
24-Month Fixed Rate CD
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Tampa Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
3501 Bessie Coleman Blvd, Tampa, FL 33630
24 Month IRA Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Tampa Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
3501 Bessie Coleman Blvd, Tampa, FL 33630
24 Month IRA Certificate Accounts
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Trax Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
3710 N 50th St, Tampa, FL 33619
Jumbo Share Certificates 2-Year Share Certificate
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Tampa Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
3501 Bessie Coleman Blvd, Tampa, FL 33630
24 Month Share Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Tampa Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
3501 Bessie Coleman Blvd, Tampa, FL 33630
24 Month Share Certificate Accounts
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Trax Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
3710 N 50th St, Tampa, FL 33619
2-Year Share Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Florida Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
3333 Henderson Blvd, Tampa, FL 33609 2955
Regular and IRA Share Certificates: 24 Months
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Florida Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
3333 Henderson Blvd, Tampa, FL 33609 2955
Regular and IRA: 24 Months
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Florida Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
3333 Henderson Blvd, Tampa, FL 33609 2955
Regular and IRA: 24 Months Share Certificates
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
BayFirst National Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.71%
3015 W Columbus Dr, Tampa, FL 33607
24-Month IRA CD
$1,000
2.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
BayFirst National Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.71%
3015 W Columbus Dr, Tampa, FL 33607
24-Month CD
$1,000
2.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
10824 N Dale Mabry Hwy, Tampa, FL 33618
Share Certificates 2 year
$100,000
2.20%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 23, 2026
Details
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
3202 W Waters Ave, Tampa, FL 33614
IRA Certificates 24 Month
$0
2.15%
▼
Rate2.13%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
10824 N Dale Mabry Hwy, Tampa, FL 33618
Share Certificates 2 year
$25,000
2.00%
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 23, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
10824 N Dale Mabry Hwy, Tampa, FL 33618
Share Certificates 2 year
$1,000
1.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 23, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
2307 W Kennedy Blvd, Tampa, FL 33609
24 Month IRA Certificates
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMay 21, 2026
Details
$250.00 - $9,999.99; Relationship APY
FLC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
4830 W Kennedy Blvd, Tampa, FL 33609
Certificate of Deposit & IRA (Personal & Business)2 2-Year
$0
0.35%
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
201 N Franklin St, Tampa, FL 33602
Regular CD 24 Months
$0
0.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
327 N Dale Mabry Hwy, Tampa, FL 33609
2 years
$500
0.05%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
24 MONTH CERTIFICATE
$0
4.16%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
24 MONTH IRA CERT
$0
4.16%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
24 Months Certificates of Deposit (CDs)
$2,000
4.15%
▼
Rate4.07%
Min Deposit$2,000
Min Balance—
UpdatedMay 21, 2026
Details
purchased through Raymond James brokerage account
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
24 MONTH CERTIFICATE
$0
4.11%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
24 MONTH IRA CERT
$0
4.11%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year Retirement Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$100,000 and over
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
24 MONTH CERTIFICATE
$0
4.06%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
24 MONTH IRA CERT
$0
4.06%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year Retirement Share Certificate
$0
4.05%
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$50,000 - $99,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year Retirement Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$10,000 - $49,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Years Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
Petite Share Certificates 24 month
$40,000
3.95%
▼
Rate3.87%
Min Deposit$40,000
Min Balance—
UpdatedMay 17, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$50,000 - $99,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Years Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
Business Fixed Rate Certificates 24 Months
$1,000
3.93%
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
24 Months Fixed Rate Certificates
$1,000
3.93%
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Tampa 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
7650 W Courtney Campbell Cswy Ste 900, Tampa, FL 33607
3 Years Add-On Certificate
$0
4.15%
▼
Rate4.09%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
36 month IRA CD
$100,000
3.55%
▼
Rate3.49%
Min Deposit$100,000
Min Balance—
UpdatedMay 23, 2026
Details
PowerNet Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
5619 Harney Rd, Tampa, FL 33610
36 Month Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Early withdrawal penalties may apply.
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
17635 Bruce B Downs Blvd, Tampa, FL 33647
36 Month CD VIP BONUS
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
17635 Bruce B Downs Blvd, Tampa, FL 33647
36 Month IRA/HSA CD VIP BONUS
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
GTE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.76%
711 E Henderson Ave, Tampa, FL 33602
36 months
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
36 month CD
$100,000
3.45%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedMay 23, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
36 month IRA CD
$25,000
3.45%
▼
Rate3.40%
Min Deposit$25,000
Min Balance—
UpdatedMay 23, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
7650 W Courtney Campbell Cswy Ste 900, Tampa, FL 33607
3 Years Share Certificates
$0
3.40%
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
36 month CD
$25,000
3.35%
▼
Rate3.30%
Min Deposit$25,000
Min Balance—
UpdatedMay 23, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
36 month IRA CD
$500
3.35%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
3209 E Busch Blvd, Tampa, FL 33612 8737
36 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
3209 E Busch Blvd, Tampa, FL 33612 8737
Member Merits (Gold1) 36 Month Certificate of Deposit
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
3209 E Busch Blvd, Tampa, FL 33612 8737
36 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
36 month CD
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
113 E Whiting St, Tampa, FL 33602
36-Month CD
$500
3.20%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
113 E Whiting St, Tampa, FL 33602
36-Month Fixed Rate CD
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Trax Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
3710 N 50th St, Tampa, FL 33619
Jumbo Share Certificates 3-Year Share Certificate
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
3209 E Busch Blvd, Tampa, FL 33612 8737
36 Month Variable Rate Certificate1 Certificate of Deposit (IRA)
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
3209 E Busch Blvd, Tampa, FL 33612 8737
Member Merits (Gold1) 36 Month Variable Rate Certificate 1
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
3209 E Busch Blvd, Tampa, FL 33612 8737
36 Month Variable Rate Certificate
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Tampa Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
3501 Bessie Coleman Blvd, Tampa, FL 33630
36 Month IRA Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Tampa Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
3501 Bessie Coleman Blvd, Tampa, FL 33630
36 Month IRA Certificate Accounts
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Trax Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
3710 N 50th St, Tampa, FL 33619
3-Year Share Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Tampa Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
3501 Bessie Coleman Blvd, Tampa, FL 33630
36 Month Step Share Certificate
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Tampa Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
3501 Bessie Coleman Blvd, Tampa, FL 33630
36 Month Step Share Certificate Accounts
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
BayFirst National Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.71%
3015 W Columbus Dr, Tampa, FL 33607
36-Month CD
$1,000
2.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
Tampa Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
3501 Bessie Coleman Blvd, Tampa, FL 33630
36 Month Share Certificate Accounts
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Tampa Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
3501 Bessie Coleman Blvd, Tampa, FL 33630
36 Month Share Certificate
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
BayFirst National Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.71%
3015 W Columbus Dr, Tampa, FL 33607
36-Month IRA CD
$1,000
2.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
3202 W Waters Ave, Tampa, FL 33614
IRA Certificates 36 Month
$0
2.25%
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
2307 W Kennedy Blvd, Tampa, FL 33609
3 Year
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMay 21, 2026
Details
Relationship APY
FLC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
4830 W Kennedy Blvd, Tampa, FL 33609
Certificate of Deposit & IRA (Personal & Business)2 3-Year
$0
0.45%
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Florida Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
3333 Henderson Blvd, Tampa, FL 33609 2955
Regular and IRA Share Certificates: 36 Months
$0
0.36%
▼
Rate0.36%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Florida Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
3333 Henderson Blvd, Tampa, FL 33609 2955
Regular and IRA: 36 Months
$0
0.36%
▼
Rate0.36%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Florida Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
3333 Henderson Blvd, Tampa, FL 33609 2955
Regular and IRA: 36 Months Share Certificates
$0
0.36%
▼
Rate0.36%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
201 N Franklin St, Tampa, FL 33602
Regular CD 36 Months
$0
0.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
327 N Dale Mabry Hwy, Tampa, FL 33609
3 years
$500
0.05%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
36 Months Certificates of Deposit (CDs)
$2,000
4.15%
▼
Rate4.07%
Min Deposit$2,000
Min Balance—
UpdatedMay 21, 2026
Details
purchased through Raymond James brokerage account
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
Traditional IRA and Roth IRA Certificate 36 month
$100,000
4.00%
▼
Rate3.94%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Years Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 3 Year IRA
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$50,000 - $99,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Years Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 3 Year IRA
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
36 MONTH CERTIFICATE
$0
3.91%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 3 Year IRA
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Years Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$1,000 - $49,999.99
Tampa 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
PowerNet Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
5619 Harney Rd, Tampa, FL 33610
48 Month Certificate
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Early withdrawal penalties may apply.
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
17635 Bruce B Downs Blvd, Tampa, FL 33647
48 Month CD VIP BONUS
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
17635 Bruce B Downs Blvd, Tampa, FL 33647
48 Month IRA/HSA CD VIP BONUS
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
GTE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.76%
711 E Henderson Ave, Tampa, FL 33602
48 months
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
3209 E Busch Blvd, Tampa, FL 33612 8737
48 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
3209 E Busch Blvd, Tampa, FL 33612 8737
Member Merits (Gold1) 48 Month Certificate of Deposit
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
3209 E Busch Blvd, Tampa, FL 33612 8737
48 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Trax Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
3710 N 50th St, Tampa, FL 33619
Jumbo Share Certificates 4-Year Share Certificate
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
48 month IRA CD
$100,000
3.10%
▼
Rate3.06%
Min Deposit$100,000
Min Balance—
UpdatedMay 23, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
113 E Whiting St, Tampa, FL 33602
48-Month Certificate of Deposit
$500
3.05%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
48 month IRA CD
$25,000
3.05%
▼
Rate3.01%
Min Deposit$25,000
Min Balance—
UpdatedMay 23, 2026
Details
Trax Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
3710 N 50th St, Tampa, FL 33619
4-Year Share Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
48 month IRA CD
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
48 month CD
$100,000
3.00%
▼
Rate2.96%
Min Deposit$100,000
Min Balance—
UpdatedMay 23, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
48 month CD
$25,000
2.95%
▼
Rate2.91%
Min Deposit$25,000
Min Balance—
UpdatedMay 23, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
48 month CD
$500
2.90%
▼
Rate2.86%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Tampa Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
3501 Bessie Coleman Blvd, Tampa, FL 33630
48 Month Share Certificate
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Tampa Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
3501 Bessie Coleman Blvd, Tampa, FL 33630
48 Month Share Certificate Accounts
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
3202 W Waters Ave, Tampa, FL 33614
IRA Certificates 48 Month
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
FLC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
4830 W Kennedy Blvd, Tampa, FL 33609
Certificate of Deposit & IRA (Personal & Business)2 4-Year
$0
0.55%
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Florida Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
3333 Henderson Blvd, Tampa, FL 33609 2955
Regular and IRA Share Certificates: 48 Months
$0
0.41%
▼
Rate0.41%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Florida Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
3333 Henderson Blvd, Tampa, FL 33609 2955
Regular and IRA: 48 Months
$0
0.41%
▼
Rate0.41%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Florida Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
3333 Henderson Blvd, Tampa, FL 33609 2955
Regular and IRA: 48 Months Share Certificates
$0
0.41%
▼
Rate0.41%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
327 N Dale Mabry Hwy, Tampa, FL 33609
4 years
$500
0.15%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
201 N Franklin St, Tampa, FL 33602
Regular CD 48 Months
$0
0.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
48 Months Certificates of Deposit (CDs)
$2,000
4.20%
▼
Rate4.11%
Min Deposit$2,000
Min Balance—
UpdatedMay 21, 2026
Details
purchased through Raymond James brokerage account
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
48-Month Term Certificate
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
48 Months IRA Certificates
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 23, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
4-Year Share Certificate
$1,000
3.77%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
48 Month Bonus Certificates
$40,000
3.76%
▼
Rate3.70%
Min Deposit$40,000
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 48 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
48-Month Term Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
48 Month IRA CD
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
48 Month Share Certificates
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
48 Months Fixed Rate Certificates
$1,000
3.72%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
Business Fixed Rate Certificates 48 Months
$1,000
3.72%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
4 years Certificate
$1,000
3.70%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedMay 30, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
48 Month IRA
$500
3.65%
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
48 Month Share CD
$500
3.65%
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
48 Month Term Share Certificate
$500
3.65%
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 2.29%
48 Month IRA Share Certificate
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 2.29%
48 Months Share Certificates
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Jumbo College Saver 48-Month
$0
3.65%
▼
Rate3.58%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $100,000
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Traditional/Roth IRA Jumbo Certificate 48-Month
$0
3.65%
▼
Rate3.58%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $100,000
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
48 MONTH CERTIFICATE
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
48 MONTH IRA CERT
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
IRA Certificates 48 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
48 Month Certificates
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Tampa 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
7650 W Courtney Campbell Cswy Ste 900, Tampa, FL 33607
IRA Certificates 5 Years
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
17635 Bruce B Downs Blvd, Tampa, FL 33647
60 Month IRA/HSA CD VIP BONUS
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
PowerNet Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
5619 Harney Rd, Tampa, FL 33610
60 Month Certificate
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Early withdrawal penalties may apply.
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
17635 Bruce B Downs Blvd, Tampa, FL 33647
60 Month CD VIP BONUS
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
GTE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.76%
711 E Henderson Ave, Tampa, FL 33602
60 months
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
7650 W Courtney Campbell Cswy Ste 900, Tampa, FL 33607
5 Years Share Certificates
$0
3.50%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
3209 E Busch Blvd, Tampa, FL 33612 8737
60 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
3209 E Busch Blvd, Tampa, FL 33612 8737
Member Merits (Gold1) 60 Month Certificate of Deposit
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
3209 E Busch Blvd, Tampa, FL 33612 8737
60 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
60 month IRA CD
$100,000
3.20%
▼
Rate3.15%
Min Deposit$100,000
Min Balance—
UpdatedMay 23, 2026
Details
Trax Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
3710 N 50th St, Tampa, FL 33619
Jumbo Share Certificates 5-Year Share Certificate
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
60 month IRA CD
$25,000
3.15%
▼
Rate3.10%
Min Deposit$25,000
Min Balance—
UpdatedMay 23, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
3209 E Busch Blvd, Tampa, FL 33612 8737
Member Merits (Gold1) 60 Month Variable Rate Certificate 1
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
3209 E Busch Blvd, Tampa, FL 33612 8737
60 Month Variable Rate Certificate1 Certificate of Deposit (IRA)
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
60 month CD
$100,000
3.10%
▼
Rate3.06%
Min Deposit$100,000
Min Balance—
UpdatedMay 23, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
60 month IRA CD
$500
3.10%
▼
Rate3.06%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
3209 E Busch Blvd, Tampa, FL 33612 8737
60 Month Variable Rate Certificate
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
60 month CD
$25,000
3.05%
▼
Rate3.01%
Min Deposit$25,000
Min Balance—
UpdatedMay 23, 2026
Details
BayFirst National Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.71%
3015 W Columbus Dr, Tampa, FL 33607
60-Month CD
$1,000
3.01%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
BayFirst National Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.71%
3015 W Columbus Dr, Tampa, FL 33607
60-Month IRA CD
$1,000
3.01%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
Tampa Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
3501 Bessie Coleman Blvd, Tampa, FL 33630
60 Month IRA Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Tampa Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
3501 Bessie Coleman Blvd, Tampa, FL 33630
60 Month IRA Certificate Accounts
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
60 month CD
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Trax Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
3710 N 50th St, Tampa, FL 33619
5-Year Share Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Tampa Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
3501 Bessie Coleman Blvd, Tampa, FL 33630
60 Month Step Share Certificate
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Tampa Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
3501 Bessie Coleman Blvd, Tampa, FL 33630
60 Month Step Share Certificate Accounts
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Tampa Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
3501 Bessie Coleman Blvd, Tampa, FL 33630
60 Month Share Certificate
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Tampa Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
3501 Bessie Coleman Blvd, Tampa, FL 33630
60 Month Share Certificate Accounts
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
3202 W Waters Ave, Tampa, FL 33614
IRA Certificates 60 Month
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
2307 W Kennedy Blvd, Tampa, FL 33609
5 Year
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMay 21, 2026
Details
Relationship APY
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
2307 W Kennedy Blvd, Tampa, FL 33609
5 Year Certificate of Deposit
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMay 21, 2026
Details
Relationship APY
Florida Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
3333 Henderson Blvd, Tampa, FL 33609 2955
Regular and IRA Share Certificates: 60 Months
$0
0.46%
▼
Rate0.46%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Florida Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
3333 Henderson Blvd, Tampa, FL 33609 2955
Regular and IRA: 60 Months
$0
0.46%
▼
Rate0.46%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Florida Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
3333 Henderson Blvd, Tampa, FL 33609 2955
Regular and IRA: 60 Months Share Certificates
$0
0.46%
▼
Rate0.46%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
FLC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
4830 W Kennedy Blvd, Tampa, FL 33609
Certificate of Deposit & IRA (Personal & Business)2 5-Year
$0
0.45%
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
327 N Dale Mabry Hwy, Tampa, FL 33609
5 years
$500
0.15%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
201 N Franklin St, Tampa, FL 33602
Regular CD 60 Months
$0
0.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
60 Months Certificates of Deposit (CDs)
$2,000
4.25%
▼
Rate4.16%
Min Deposit$2,000
Min Balance—
UpdatedMay 21, 2026
Details
purchased through Raymond James brokerage account
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year Retirement Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year Retirement Share Certificate
$0
4.05%
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$50,000 - $99,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year Retirement Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$10,000 - $49,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Years Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 5 Year IRA
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
60 Month IRA CD
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
60 Month Share Certificates
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$50,000 - $99,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Years Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 5 Year IRA
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 5 Year IRA
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Powered by
MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Tampa, FL CD Rate Trends
Compare local Tampa, FL CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — FL Avg
2.710%
▼ 0.001 vs 7 days ago
Florida 12-month CD rates fell 0.001 points over the past 7 days to 2.710% APY.
6-Month CD — FL Avg
2.742%
▲ 0.020 vs 7 days ago
Florida 6-month CD rates rose 0.020 points over the past 7 days to 2.742% APY.
As of May 31, 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 May 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
FL 12-Month Avg APY
2.710%
6-Month Forecast
2.710%
Range: 2.51% – 2.86%
12-Month Forecast
2.460%
Range: 2.26% – 2.61%
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 | 1.938% | $96.92 | $193.84 | $484.60 | $969.20 |
| 6-Month CD | 2.742% | $137.09 | $274.18 | $685.45 | $1,370.90 |
| 12-Month CD | 2.710% | $135.52 | $271.04 | $677.60 | $1,355.20 |
| 18-Month CD | 2.466% | $123.32 | $246.63 | $616.58 | $1,233.15 |
| 24-Month CD | 2.564% | $128.19 | $256.38 | $640.95 | $1,281.90 |
| 36-Month CD | 2.513% | $125.66 | $251.31 | $628.28 | $1,256.55 |
| 48-Month CD | 2.665% | $133.27 | $266.54 | $666.35 | $1,332.70 |
| 60-Month CD | 2.211% | $110.57 | $221.13 | $552.83 | $1,105.65 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of May 30, 2026. | |||||
Sample CD Ladder for Tampa, Florida Savers
$25,000 split equally across 5 terms using today’s Florida average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | FL Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.938% | $96.92 |
| 2 | 6-Month CD | $5,000 | 2.742% | $137.09 |
| 3 | 12-Month CD | $5,000 | 2.710% | $135.52 |
| 4 | 24-Month CD | $5,000 | 2.564% | $128.19 |
| 5 | 36-Month CD | $5,000 | 2.513% | $125.66 |
| Total ($25,000 invested) | $25,000 | 2.494% blended | $623.38/yr | |
Ladder example uses equal $5,000 rungs and Florida average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
1,014
CD Rates
Tracked in Tampa, Florida
Tracked in Tampa, Florida
29 Banks
67 Credit Unions
About Our Tampa, Florida CD Rate Database
MonitorBankRates tracks 1,014 CD rates from 29 banks and 67 credit unions with locations in Tampa, 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: U S POSTAL SERVICE offers a CD at 4.25% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Tampa, Florida.
How to Find the Best CD Rates in Tampa, Florida
What to compare when shopping for a CD in Tampa, Florida
To find the best APYs in Tampa, Florida, start with credit unions and online-only banks — Tampa, Florida has 67 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in Tampa, 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 Tampa, Florida — 96 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Tampa, Florida savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Tampa, Florida money market rates
Tampa, Florida Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
Population 65+
13.7%
National avg: 17.3%
Median Individual Earnings
$45,480
National avg: $47,340
Poverty Rate
15.5%
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 2.710% APY
13.7% of residents are 65 or older — below the national average of 17.3%. At today’s FL 12-month CD average of 2.710%, saving 10% of the local median salary ($4,548/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 Tampa, 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 Tampa, 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 Tampa, 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 Tampa, Florida as everywhere in the U.S.
Choosing a CD Term in Tampa, 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 Tampa, 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, U S POSTAL SERVICE is offering its IRA Certificates 5 Years at 3.70% 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 Tampa, 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 Tampa, 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 Tampa, 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 Tampa, 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 Tampa, Florida
Most CDs carry a fixed rate that is locked for the entire term, protecting a Tampa, 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 Tampa, Florida
Are CD rates in Tampa, Florida FDIC insured?
Yes, most established banks in Tampa, 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 Tampa, 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 Tampa, 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 Tampa, 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 Tampa, Florida?
Here are recent top rates found for this area:
- U S POSTAL SERVICE: 4.25% APY (IRA Certificates 1 Year Starter Add-On)
- Tampa Bay Federal Credit Union: 4.15% APY (Share Certificate 18 Month Market Watch)
- Achieva Credit Union: 4.10% APY (6 month IRA CD)
- Florida West Coast Credit Union: 4.08% APY (12 Month Certificate)
- Dfcu Financial Credit Union: 4.00% APY (Share Certificates 3 month)
- BayFirst National Bank: 3.64% APY (6-Month CD)
- PowerNet Credit Union: 3.60% APY (60 Month Certificate)
- LMCU Lake Michigan Credit Union: 3.60% APY (60 Month CD VIP BONUS)
- Together Credit Union: 3.60% APY (12 Month Certificate of Deposit (IRA))
- GTE Federal Credit Union: 3.56% APY (60 months)
Rates reflect recent verified offers available in Tampa, Florida. Last Updated: May 30, 2026
CD Calculators for Tampa, Florida
Tampa, Florida CD Calculator
At today’s FL top rate of 4.25% APY, a $10,000 deposit earns $425 in the first year. Enter your amount to see your exact return.
Tampa, Florida CD LadderFL CD rates currently range from 1.938% (3-month) to 2.513% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Tampa, Florida CD at 4.25% 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 SavingsFlorida’s average 12-month CD is 2.710% 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 Tampa, 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 Tampa, 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 Tampa, 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: May 30, 2026
Rate Assistant
MonitorBankRates.com · Live Data
Try asking