Bank · FDIC insured
Gulf Coast Business Bank CD Rates
Top CarrotGulf Coast Business Bank’s best CD rate is 4.24% APY on a 1-year CD. Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How Gulf Coast Business Bank’s CD rates compare
Compared with banks and credit unions near Cape Coral, FL, where Gulf Coast Business Bank has the most branches. $10,000, best rate first.
This bank’s best
Gulf Coast Business Bank
4.24%APY
- Term
- 12 months
- Minimum
- $5,000
- Earns on $10,000
- $424
Certificates of Deposit
Top rate
Suncoast Credit Union
4.50%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $683
2nd-highest rate
DFCU Financial
4.40%APY
- Term
- 24 months
- Minimum
- $1,000
- Earns on $10,000
- $899
Gulf Coast Business Bank CD score
91
CD score
Higher than 93% of U.S. banks and credit unions
- 3–8 months3–8 mo3.82%
- 9–15 months9–15 mo4.24%
- 16–30 months16–30 mo4.08%
- 31–60 months31–60 mo4.24%
- QualifiedQualified4.24%
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 Gulf Coast Business Bank 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.
Certificates of Deposit
Up to 4.24%APY · 7 terms
Available for personal or business purposes.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsRate for $250K or less. Minimum to obtain APY is $5,000. Early withdrawal penalties may apply | 3.77% | $93 |
| 6 monthsRate for $250K or less. Minimum to obtain APY is $5,000. Early withdrawal penalties may apply | 3.82% | $189 |
| 12 monthsRate for $250K or less. Minimum to obtain APY is $5,000. Early withdrawal penalties may apply | 4.24% | $424 |
| 24 monthsRate for $250K or less. Minimum to obtain APY is $5,000. Early withdrawal penalties may apply | 4.08% | $833 |
| 36 monthsRate for $250K or less. Minimum to obtain APY is $5,000. Early withdrawal penalties may apply | 4.13% | $1,291 |
| 48 monthsRate for $250K or less. Minimum to obtain APY is $5,000. Early withdrawal penalties may apply | 4.18% | $1,780 |
| 60 monthsRate for $250K or less. Minimum to obtain APY is $5,000. Early withdrawal penalties may apply | 4.24% | $2,308 |
Sources (1)
- gcbbswfl.com/resources/rates · captured Sep 18, 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.