Bank · FDIC insured
FLCBank CD Rates
FLCBank’s best CD rate is 3.35% APY on a 1-year CD. Terms run from 9 months to 5 years. Rates checked October 15, 2026.
How FLCBank’s CD rates compare
Compared with banks and credit unions near Tampa, FL, where FLCBank has the most branches. $10,000, best rate first.
This bank’s best
FLCBank
0.55%APY
- Term
- 48 months
- Minimum
- $2,000
- Earns on $10,000
- $222
Certificate of Deposit
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
FLCBank CD score
60
CD score
Higher than 2% of U.S. banks and credit unions
- 9–15 months9–15 mo0.35%
- 16–30 months16–30 mo0.35%
- 31–60 months31–60 mo0.55%
- QualifiedQualified0.55%
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 FLCBank 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.
Certificate of Deposit
Up to 0.55%APY · 7 terms
Certificates of Deposit earn a fixed interest rate compounded daily and paid monthly. Early withdrawals are subject to penalty. Personal minimum opening balance is $2,000.
| Term | APY · Any balance | APY · $50,000 – $1,000,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 9 months | 0.35% | — | 0.35% | $26 |
| 9 monthsPromotional rate. Minimum deposit of $50,000 required, maximum deposit $1,000,000. Available to new FLCBank clients or existing clients who bring new money | — | 3.30% | —3.30% $50k–$1,000k | — |
| 12 months | 0.35% | — | 0.35% | $35 |
| 12 monthsPromotional rate. Minimum deposit of $50,000 required, maximum deposit $1,000,000. Available to new FLCBank clients or existing clients who bring new money | — | 3.35% | —3.35% $50k–$1,000k | — |
| 18 months | 0.35% | — | 0.35% | $53 |
| 24 months | 0.35% | — | 0.35% | $70 |
| 36 months | 0.45% | — | 0.45% | $136 |
| 48 months | 0.55% | — | 0.55% | $222 |
| 60 months | 0.45% | — | 0.45% | $227 |
Sources (2)
All captured Sep 25, 2026
Special-purpose accounts
IRA Certificate of Deposit
Up to 0.55%APY · 7 terms
IRA Certificates earn a fixed interest rate compounded daily and paid monthly. Early withdrawals are subject to penalty. Personal minimum opening balance is $2,000.
| Term | APY · Any balance | APY · $50,000 – $1,000,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 9 months | 0.35% | — | 0.35% | $26 |
| 9 monthsPromotional rate. Minimum deposit of $50,000 required, maximum deposit $1,000,000. Available to new FLCBank clients or existing clients who bring new money | — | 3.30% | —3.30% $50k–$1,000k | — |
| 12 months | 0.35% | — | 0.35% | $35 |
| 12 monthsPromotional rate. Minimum deposit of $50,000 required, maximum deposit $1,000,000. Available to new FLCBank clients or existing clients who bring new money | — | 3.35% | —3.35% $50k–$1,000k | — |
| 18 months | 0.35% | — | 0.35% | $53 |
| 24 months | 0.35% | — | 0.35% | $70 |
| 36 months | 0.45% | — | 0.45% | $136 |
| 48 months | 0.55% | — | 0.55% | $222 |
| 60 months | 0.45% | — | 0.45% | $227 |
Sources (1)
- floridacapitalbank.com/deposit-rates · captured Sep 25, 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.