Current Wakulla Springs, Florida CD rates include Platinum Federal Credit UnionPlatinum Federal Credit UnionA+5.0 ★Texas Ratio: 1.90%Real return: +2.11%APY minus CPI (February 2026) offering 12 Month Family Legacy Certificate Account at 4.91% APY, Launch Credit UnionLaunch Credit UnionA+5.0 ★Texas Ratio: 1.92%Real return: +1.79%APY minus CPI (February 2026) offering Share Certificates - 18 Month at 4.59% APY, United Fidelity BankUnited Fidelity BankA+5.0 ★Texas Ratio: 2.56%Real return: +1.60%APY minus CPI (February 2026) offering 12-Month CD at 4.40% APY, Tropical Financial Credit UnionTropical Financial Credit UnionA+5.0 ★Texas Ratio: 5.63%Real return: +1.60%APY minus CPI (February 2026) offering 12 Month Certificate at 4.40% APY, and Climate First BankClimate First BankA+5.0 ★Texas Ratio: 1.15%Real return: +1.59%APY minus CPI (February 2026) offering 60-Month CD at 4.39% APY. CD rates as of September 16, 2026 according to verified data from MonitorBankRates.
Wakulla Springs is a smaller community with no bank or credit union branches currently in our database. 783 institutions serving the Florida area are available to Wakulla Springs residents, with CD rates as high as 4.91% APY from Platinum Federal Credit Union. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: September 16, 2026
SPECIAL OFFER THRU 9/30/26
Promotional APY is available on new money only deposited into a new 3-Month Certificate of Deposit. Offer valid through September 30, 2026. APY is accurate as of August 3, 2026, and is subject to change without notice after the promotional period. Early withdrawal penalties may apply and may reduce earnings. Fees may reduce earnings. Membership eligibility required. At maturity, the certificate will renew according to the Credit Union's current certificate renewal policy unless otherwise instructed during the grace period. See offer page for more information.
Promotional; Offer valid through September 30, 2026. APY is accurate as of August 3, 2026, and is subject to change without notice after the promotional period. Early withdrawal penalties may apply and may reduce earnings. Fees may reduce earnings. Membership eligibility required. At maturity, the certificate will renew according to the Credit Union's current certificate renewal policy unless otherwise instructed during the grace period. See offer page for more information.
SPECIAL OFFER THRU 9/30/26
SPECIAL OFFER THRU 9/30/26
Existing certificates only - no new accounts offered
VIP Bonus Rate: 3.49%, VIP Bonus APY: 3.55%. Rates as of 09/12/26 and subject to change.
Penalty for early withdrawal: 3 Months Dividends
Maximum Certificate balance: $2,500
IRA Certificate
VIP Bonus Rate: 3.35%, VIP Bonus APY: 3.40%. Rates as of 09/12/26 and subject to change.
FL
(90 to 179 days)
A penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account. Penalty waived on a one-time withdrawal, up to the full amount of the CD, after the account has been open for 7 calendar days. Additional withdrawals will be assessed a 30 day interest penalty.
Promotional CD offer valid for FL residents. Advertised rate applies only in the state of FL. To obtain these rates, CD must be opened with new funds deposited into Amerant Bank. Minimum $10,000 deposit and balance from external source required to obtain promotional rate. Max deposit $250,000 per account - $500,000 per customer. Account must be opened online or in-branch. Personal account only. Rates subject to change without notice. Early withdrawal penalties may apply. Fees could reduce earnings on the account. Interest compounded and paid monthly. If no action is taken, CD auto-renews at current rates and APY available at that time. Must open an account by 10/09/2026 to get the promotional rates.
Compound Period: Daily
Compound Period: Daily
No additional deposits allowed. No penalty for early withdrawals. The account matures in 6 months and will automatically renew for the same term unless funds are withdrawn within 10 days after maturity, during which withdrawals may be made without penalty. Withdrawals will reduce earnings.
Jumbo Certificate rates require a $100,000.00 minimum deposit. Contact a Consumer Financial Advocate or review your Important Account Information brochure for details on terms and conditions.
1
effective 6/1/2026
Rate Fixed/Variable: Fixed; Dividends Compounded Paid: Monthly
Rate Fixed/Variable: Fixed; Dividends Compounded Paid: Monthly
Rate Fixed/Variable: Fixed; Dividends Compounded Paid: Monthly
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Penalty for early withdrawal: 3 Months Dividends
Variable rate account. Rates subject to change. Fees may reduce earnings. Early withdrawal penalties may apply.
All rates are Annual Percentage Yields.
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Available for new money only, new money is defined as money not currently on deposit or held by People's Alliance Federal Credit Union (PAFCU) within the past 12 months. New money is determined by PAFCU's sole discretion. Early withdrawal penalties may apply and could reduce earnings. Fees may reduce earnings. Offer available for a limited time. Membership eligibility required. Other terms and restrictions may apply. See a PAFCU representative for complete details.
Interest rates and APYs displayed are available only for accounts opened in a BankUnited branch. Rates are subject to change at any time and are not guaranteed until the CD is open. Please contact a BankUnited representative for additional details.
All rates are Annual Percentage Yields.
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
One renewal at rate in effect at maturity; rate not guaranteed to match original. The Family Legacy Certificate Account must be opened within two years of the date of death. Eligibility is subject to verification.
IRA Certificate
up to $2,500; Tru Traditional/Roth IRA Accounts
Featured rate
No additional deposits allowed. No penalty for early withdrawals. The account matures in 12 months and will automatically renew for the same term unless funds are withdrawn within 10 days after maturity, during which withdrawals may be made without penalty. Withdrawals will reduce earnings. This promotional rate offer may be modified, suspended, or terminated by Climate First Bank, in whole or in part, at any time and for any reason without prior notice.
effective 8/24/2026
Compound Period: Daily
Compound Period: Daily
Compound Period: Daily
Jumbo Certificate rates require a $100,000.00 minimum deposit. Contact a Consumer Financial Advocate or review your Important Account Information brochure for details on terms and conditions.
Promotional CD offer valid for FL residents. Advertised rate applies only in the state of FL. To obtain these rates, CD must be opened with new funds deposited into Amerant Bank. Minimum $10,000 deposit and balance from external source required to obtain promotional rate. Max deposit $250,000 per account - $500,000 per customer. Account must be opened online or in-branch. Personal account only. Rates subject to change without notice. Early withdrawal penalties may apply. Fees could reduce earnings on the account. Interest compounded and paid monthly. If no action is taken, CD auto-renews at current rates and APY available at that time. Must open an account by 10/09/2026 to get the promotional rates.
Rate Fixed/Variable: Fixed; Dividends Compounded Paid: Monthly
Rate Fixed/Variable: Fixed; Dividends Compounded Paid: Monthly
Rate Fixed/Variable: Fixed; Dividends Compounded Paid: Monthly
Minimum $75,000
Early Withdrawal Penalty: 180 days interest
Rates, terms, products, and services are subject to change without notice. All accounts are subject to approval. Fees may reduce earnings. Deposit products are offered by BankUnited, N.A. and are Member FDIC. FDIC insurance coverage is subject to applicable limits and regulations. Please refer to our Deposit Account Agreement , product disclosures and Consumer Schedule of Fees for additional Terms and Conditions.
Penalty for early withdrawal: 3 Months Dividends
Maximum Certificate balance: $2,500
$100; My Rate
Interest Frequency: Monthly
This is a variable rate certificate. The rate is adjusted on the first of each month and is calculated by using the 24-month Treasury Bill rate in effect on the 10th day of the previous month plus 0.25% (25 basis points). At maturity, the certificate automatically renews.
Interest Frequency: Semi
IRA Certificate
Interest Frequency: Semi
Traditional/Roth IRA Certificates.
Requires a qualifying checking account.
Interest Frequency: Monthly
Interest Frequency: Monthly
Interest Frequency: Monthly
up to $10,000; Tru Traditional/Roth IRA Accounts
Interest Frequency: Semi
Interest Frequency: Semi
Jumbo Certificate rates require a $100,000.00 minimum deposit. Contact a Consumer Financial Advocate or review your Important Account Information brochure for details on terms and conditions.
Fees could reduce earnings on the account. A penalty is imposed for early withdrawal.
Penalty for early withdrawal: 6 Months Dividends
Compound Period: Daily
Compound Period: Daily
Compound Period: Daily
Interest Frequency: Monthly
Jumbo Certificate rates require a $100,000.00 minimum deposit. Contact a Consumer Financial Advocate or review your Important Account Information brochure for details on terms and conditions.
Interest Frequency: Monthly
Interest Frequency: Semi
Interest Frequency: Semi
Interest Frequency: Monthly
Interest Frequency: Monthly
Fees could reduce earnings on the account. A penalty is imposed for early withdrawal.
Traditional/Roth IRA Certificates.
Penalty for early withdrawal: 9 Months Dividends
Compound Period: Daily
Compound Period: Daily
Interest Frequency: Monthly
Interest Frequency: Monthly
Interest Frequency: Semi
Jumbo Certificate rates require a $100,000.00 minimum deposit. Contact a Consumer Financial Advocate or review your Important Account Information brochure for details on terms and conditions.
Interest Frequency: Semi
Penalty for early withdrawal: 9 Months Dividends
Interest Frequency: Monthly
All rates are Annual Percentage Yields.
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
$20,000; Rates are indications only, and are subject to change with market conditions. Please contact a Member Service Representative for current rates. The stated rate and effective annual rate are the same.
$10,000; Rates are indications only, and are subject to change with market conditions. Please contact a Member Service Representative for current rates. The stated rate and effective annual rate are the same.
Compound Period: Daily
Compound Period: Daily
A penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account. Penalty waived on a one-time withdrawal, up to the full amount of the CD, after the account has been open for 7 calendar days. Additional withdrawals will be assessed a 30 day interest penalty.
VIP Bonus Rate: 3.83%, VIP Bonus APY: 3.90%. Rates as of 09/12/26 and subject to change.
No additional deposits allowed. If Principal is withdrawn before the maturity date, a penalty equal to 90 days' interest will apply. The account matures in 60 months and will automatically renew to the same term CD unless funds are withdrawn within 10 days after maturity, during which withdrawals may be made without penalty. Withdrawals will reduce earnings.
Minimum $75,000
Early Withdrawal Penalty: 180 days interest
Interest Frequency: Semi
Interest Frequency: Monthly
Lock in higher APY with our 2, 3, 4, and 5-year certificates
Interest Frequency: Semi
Early Withdrawal Penalty: 180 days interest
Penalty for early withdrawal: 9 Months Dividends
Jumbo Certificate rates require a $100,000.00 minimum deposit. Contact a Consumer Financial Advocate or review your Important Account Information brochure for details on terms and conditions.
Interest Frequency: Semi
$20,000; Rates are indications only, and are subject to change with market conditions. Please contact a Member Service Representative for current rates. The stated rate and effective annual rate are the same.
$10,000; Rates are indications only, and are subject to change with market conditions. Please contact a Member Service Representative for current rates. The stated rate and effective annual rate are the same.
Traditional/Roth IRA Certificates.
Interest Frequency: Monthly
VIP Bonus Rate: 4.07%, VIP Bonus APY: 4.15%. Rates as of 09/12/26 and subject to change.
Compare local Wakulla Springs, FL CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
Florida 12-month CD rates rose 0.081 points over the past 7 days to 2.921% APY.
Florida 6-month CD rates rose 0.076 points over the past 7 days to 2.746% APY.
Where are Florida CD rates headed through September 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
Annual interest earnings at today’s Florida average APYs. State average used where available; national average as fallback.
| CD Term | FL Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.043% | $102.14 | $204.28 | $510.70 | $1,021.40 |
| 6-Month CD | 2.746% | $137.27 | $274.55 | $686.37 | $1,372.75 |
| 12-Month CD | 2.921% | $146.06 | $292.11 | $730.28 | $1,460.55 |
| 18-Month CD | 2.824% | $141.19 | $282.38 | $705.95 | $1,411.90 |
| 24-Month CD | 2.843% | $142.16 | $284.32 | $710.80 | $1,421.60 |
| 36-Month CD | 2.765% | $138.26 | $276.52 | $691.30 | $1,382.60 |
| 48-Month CD | 2.778% | $138.91 | $277.82 | $694.55 | $1,389.10 |
| 60-Month CD | 2.858% | $142.91 | $285.81 | $714.53 | $1,429.05 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 16, 2026. | |||||
$25,000 split equally across 5 terms using today’s Florida average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | FL Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.043% | $102.14 |
| 2 | 6-Month CD | $5,000 | 2.746% | $137.27 |
| 3 | 12-Month CD | $5,000 | 2.921% | $146.06 |
| 4 | 24-Month CD | $5,000 | 2.843% | $142.16 |
| 5 | 36-Month CD | $5,000 | 2.765% | $138.26 |
| Total ($25,000 invested) | $25,000 | 2.664% blended | $665.89/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.
MonitorBankRates tracks 1,363 CD rates from 26 banks and 73 credit unions with locations in Wakulla Springs, 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: Platinum Federal Credit Union offers a CD at 4.91% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Wakulla Springs, Florida.
What to compare when shopping for a CD in Wakulla Springs, Florida
To find the best APYs in Wakulla Springs, Florida, start with credit unions and online-only banks: Wakulla Springs, Florida has 73 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.
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024 (state-level data shown; city data not available)
21.3% of residents are 65 or older, above the national average of 17.3%, making fixed-rate CDs a particularly relevant savings vehicle in this market. At today’s FL 12-month CD average of 2.921%, saving 10% of the local median salary ($4,189/year) and putting it in a CD would earn an additional $122 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
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 |
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 Wakulla Springs, 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 Wakulla Springs, Florida as everywhere in the U.S.
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Wakulla Springs, Florida savers easier access to their funds. For example, United Fidelity Bank is offering its 6-Month CD at 4.35% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Climate First Bank is offering its 60-Month CD at 4.39% 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.
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 Wakulla Springs, 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.
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 Wakulla Springs, Florida CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Most CDs carry a fixed rate that is locked for the entire term, protecting a Wakulla Springs, 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.
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Wakulla Springs, Florida rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.
At today’s FL top rate of 4.91% APY, a $10,000 deposit earns $491 in the first year. Enter your amount to see your exact return.
Wakulla Springs, Florida CD LadderFL CD rates currently range from 2.043% (3-month) to 2.765% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Wakulla Springs, Florida CD at 4.91% 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 2.921% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Wakulla Springs, 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 Wakulla Springs, 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 Wakulla Springs, 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.