Bank · FDIC insured
Raymond James Bank CD Rates
Raymond James Bank’s best CD rate is 5.25% APY on a 5-year CD. Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How Raymond James Bank’s CD rates compare
Compared with banks and credit unions nationwide. $10,000, best rate first.
This bank’s best
Raymond James Bank
5.25%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $2,000
- Earns on $10,000
- $2,915
Certificates of Deposit (CDs)
Top rate
SouthPoint Financial Credit Union
9.00%APY
- Term
- 9 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $668
2nd-highest rate
802 Credit Union
8.02%APY
- Term
- 5 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $327
Raymond James Bank CD score
99
CD score
Higher than 99% of U.S. banks and credit unions
- 3–8 months3–8 mo4.35%
- 9–15 months9–15 mo4.60%
- 16–30 months16–30 mo5.00%
- 31–60 months31–60 mo5.25%
- QualifiedQualified5.25%
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 Raymond James 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 (CDs)
Up to 5.25%APY · 8 terms
CDs may be opened for any term between 90 days and five years. There is a substantial penalty for early withdrawal. Annual Percentage Yield calculation assumes principal and interest remain on deposit until maturity. Certificates are nonnegotiable and cannot be sold on the secondary market.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsNot purchased through Raymond James brokerage account | 3.15% | $78 |
| 3 monthsPurchased through Raymond James brokerage account | 3.15% | $78 |
| 6 monthsNot purchased through Raymond James brokerage account | 4.35% | $215 |
| 6 monthsPurchased through Raymond James brokerage account | 4.35% | $215 |
| 12 monthsNot purchased through Raymond James brokerage account | 4.60% | $460 |
| 12 monthsPurchased through Raymond James brokerage account | 4.60% | $460 |
| 18 monthsNot purchased through Raymond James brokerage account | 4.85% | $736 |
| 18 monthsPurchased through Raymond James brokerage account | 4.85% | $736 |
| 24 monthsNot purchased through Raymond James brokerage account | 5.00% | $1,025 |
| 24 monthsPurchased through Raymond James brokerage account | 5.00% | $1,025 |
| 36 monthsNot purchased through Raymond James brokerage account | 5.10% | $1,609 |
| 36 monthsPurchased through Raymond James brokerage account | 5.10% | $1,609 |
| 48 monthsNot purchased through Raymond James brokerage account | 5.20% | $2,248 |
| 48 monthsPurchased through Raymond James brokerage account | 5.20% | $2,248 |
| 60 monthsNot purchased through Raymond James brokerage account | 5.25% | $2,915 |
| 60 monthsPurchased through Raymond James brokerage account | 5.25% | $2,915 |
Sources (1)
- raymondjamesbank.com/deposit-accounts · captured Oct 15, 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.