Bank · FDIC insured
BayFirst Financial CD Rates
BayFirst Financial’s best CD rate is 3.64% APY on a 6-month CD. Terms run from 6 months to 5 years. Rates checked October 15, 2026.
How BayFirst Financial’s CD rates compare
Compared with banks and credit unions near Tampa, FL, where BayFirst Financial has the most branches. $10,000, best rate first.
This bank’s best
BayFirst Financial
3.64%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $180
Traditional Fixed-Rate CDs
Top rate
Raymond James Bank
5.25%APY
- Term
- 60 months
- Minimum
- $2,000
- Earns on $10,000
- $2,915
2nd-highest rate
Together Credit Union
4.50%APY
- Term
- 11 months
- Minimum
- $1,000
- Earns on $10,000
- $412
BayFirst Financial CD score
73
CD score
Higher than 34% of U.S. banks and credit unions
- 3–8 months3–8 mo3.64%
- 9–15 months9–15 mo3.49%
- 16–30 months16–30 mo2.25%
- 31–60 months31–60 mo3.01%
- QualifiedQualified3.64%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where BayFirst Financial ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Traditional Fixed-Rate CDs
Up to 3.64%APY · 5 terms
Penalty may be charged for early withdrawal. Advertised Annual Percentage Yield (APY) may change after maturity. Fees could reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsPenalty may be charged for early withdrawal. Advertised Annual Percentage Yield (APY) may change after maturity. Fees could reduce earnings | 3.64% | $180 |
| 12 monthsPenalty may be charged for early withdrawal. Advertised Annual Percentage Yield (APY) may change after maturity. Fees could reduce earnings | 3.49% | $349 |
| 24 monthsPenalty may be charged for early withdrawal. Advertised Annual Percentage Yield (APY) may change after maturity. Fees could reduce earnings | 2.25% | $455 |
| 36 monthsPenalty may be charged for early withdrawal. Advertised Annual Percentage Yield (APY) may change after maturity. Fees could reduce earnings | 2.75% | $848 |
| 60 monthsPenalty may be charged for early withdrawal. Advertised Annual Percentage Yield (APY) may change after maturity. Fees could reduce earnings | 3.01% | $1,598 |
Sources (1)
- bayfirstfinancial.com/personal…/certificates-of-deposit · captured Sep 24, 2026
Special-purpose accounts
IRA CD Account
Up to 3.49%APY · 4 terms
Available as Traditional IRA or Roth IRA. Enjoy unlimited deposits during the term of your CD up to the IRA contribution limit. Early bank withdrawal penalty-free (IRS penalties/taxes may apply before age 59 1/2). Advertised Annual Percentage Yield (APY) may change after maturity, applies to personal accounts only. Fees could reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsAdvertised Annual Percentage Yield (APY) may change after maturity, applies to personal accounts only. A penalty may be charged for early withdrawal. Fees could reduce earnings. Unlimited deposits during term up to IRA contribution limit | 3.49% | $349 |
| 24 monthsAdvertised Annual Percentage Yield (APY) may change after maturity, applies to personal accounts only. A penalty may be charged for early withdrawal. Fees could reduce earnings. Unlimited deposits during term up to IRA contribution limit | 2.25% | $455 |
| 36 monthsAdvertised Annual Percentage Yield (APY) may change after maturity, applies to personal accounts only. A penalty may be charged for early withdrawal. Fees could reduce earnings. Unlimited deposits during term up to IRA contribution limit | 2.75% | $848 |
| 60 monthsAdvertised Annual Percentage Yield (APY) may change after maturity, applies to personal accounts only. A penalty may be charged for early withdrawal. Fees could reduce earnings. Unlimited deposits during term up to IRA contribution limit | 3.01% | $1,598 |
Sources (1)
- bayfirstfinancial.com/personal…idual-retirement-account · captured Sep 24, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.