Compare Bank & Credit Union Rates
Best CD rates in Clearwater, FL
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Clearwater, FL
- 4.50%APY$683 over 18 months on $10,000
Requirements
Product: Requires Credit Union membership ($5 deposit in Share Savings). Penalty for early withdrawal: 90 days of dividends on terms <= 12 months, 180 days on terms > 12 months. Dividends compounded daily, credited monthly.
Compounded daily · Effective Sep 1, 2026
Rate checked
More details - 4.35%APY$472 over 13 months on $10,000
Requirements
Product: Federally insured by NCUA up to $250,000. No monthly fees. A minimum opening balance of $500 is required for all CD products (except promotional specials). Early withdrawal penalty may apply.
Offer: New money only (funds not currently or previously on deposit at Achieva Credit Union within the last 90 days). Automatically renews to a 12-month term at then-current rate.
4.27% interest rate · Effective Aug 20, 2026
Rate checked
More details - 4.25%APY$389 over 11 months on $10,000with conditions
Requirements
Product: Fixed rate for the term. Requires a $5,000 minimum opening deposit. Special interest rates apply to initial term only and automatically renew for the disclosed renewal term at standard rates in effect at maturity. Maximum aggregate deposit limit of $2.5 million. Public funds are not eligible. Early withdrawal penalties apply.
Offer: Relationship rate; requires linked Prime Checking, Premier Checking, or Private Bank Interest Checking account at open and renewal. Renews to a 6-month term at 0.05% APY.
Qualified rate · 4.16% interest rate · Effective Oct 3, 2026
Rate checked
More details - PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance
Bank · 2 branches
4.25%APY$461 over 13 months on $10,000intro rateRequirements
Product: A minimum opening deposit of $1,000 is required for all CD accounts. Penalty for early withdrawal. Fees may reduce earnings. At the end of Promotional CD term, account automatically converts to the Standard consumer CD term that is closest to but not greater than Promotional CD term, at the applicable Standard rate. No withdrawals without penalty within first seven days. No partial withdrawals permitted. The $1.00 - $999.99 tier is for Renewal Only.
Offer: Renewal Only. Promotional rate.
Promotional rate · 0.01% interest rate · Effective Oct 21, 2026
Rate by balance
Rate by balance for Fixed Rate Certificate of Deposit (CD) Balance APY Up to $1,000 0.01% $1,000 and upYour amount 4.25% Rate checked
More details - 4.25%APY$534 over 15 months on $10,000intro rate
Requirements
Product: Fixed dividend rate for the entire certificate term. Federally insured by NCUA. Early withdrawals are subject to a penalty. Membership eligibility required ($5 deposit in Member Share Account).
Offer: Promotional / Special Share Certificate. Compounded and credited monthly. APY assumes interest remains on deposit until maturity.
Promotional rate · 4.17% interest rate
Rate checked
More details - 4.10%APY$203 over 6 months on $10,000intro rate
Requirements
Product: Limited-time promotional Certificate of Deposit. New money deposit only. APY is fixed for the 6-month term. Early withdrawal penalties may apply.
Offer: Limited-time promotional rate. New money deposit only. $500 minimum to open and to obtain the advertised APY.
Promotional rate · Effective Oct 22, 2026
Rate checked
More details - Navy Federal Credit UnionStandard CertificateCD · 18 months · $1,000 min · 4.10%–4.15% by balance
Credit union · 1 branch
4.10%APY$621 over 18 months on $10,000Effective Oct 22, 2026
Rate by balance
Rate by balance for Standard Certificate Balance APY $1,000 and upYour amount 4.10% $20,000 and up 4.10% $100,000 and up 4.15% Rate checked
More details - Grow FinancialCertificate AccountCD · 24–29 months · $500 min · 4.07%–4.18% by balance
Credit union · 1 branch
4.07%APYRequirements
Product: Minimum balance of $500.00 required to open and maintain the account; account will be closed if balance falls below requirements. Membership required.
Offer: Must maintain a minimum daily balance of $500.00 each day to obtain the disclosed APY.
4.00% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Certificate Account Balance APY $500 – $100,000Your amount 4.07% $100,000 and up 4.18% Rate checked
More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Offer: You can add money any time until maturity. No maximum balance.
3.92% interest rate · Effective Oct 22, 2026
Rate checked
More details - 4.00%APY$1,249 over 36 months on $10,000
Requirements
Product: Membership and eligibility requirements apply. Fees may reduce earnings. Initial deposit cannot exceed $5 million per member or $10 million per address. Penalties may apply for withdrawal of funds before maturity.
Offer: Initial deposit cannot exceed $5 million per member or $10 million per address. Penalties may apply for early withdrawal.
Balance cap $5,000,000 · Effective Oct 1, 2026
Rate checked
More details - FiCare Federal Credit UnionShare CertificatesCD · 24 months · $500 min · 3.95%–4.15% by balance
Credit union · 1 branch
3.95%APY$806 over 24 months on $10,000Requirements
Product: Early withdrawal penalties may apply. FiCare offers rate matching with local competitor financial institutions subject to matching terms and requirements.
3.88% interest rate · Effective Sep 24, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $500 – $49,999Your amount 3.95% $50,000 – $99,999 4.05% $100,000 and up 4.15% Rate checked
More details - 3.75%APY$217 over 7 months on $10,000
Requirements
Product: At maturity, automatically renews into a 3 Month Flexible CD at a lower interest rate unless changed during 7-day grace period. Online opening limit is $250,000.
3.69% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Featured CD Balance APY Up to $9,999 3.75% $10,000 – $99,999Your amount 3.75% $100,000 – $999,999 4.11% $1,000,000 and up 4.11% Rate checked
More details - City County Employees Credit UnionShare Certificate (CD) AccountCD · 12 months · $500 min
Credit union · 1 branch
3.75%APY$375 over 1 year on $10,000Requirements
Offer: Interest frequency: Monthly.
3.75% interest rate · Effective Nov 19, 2025
Rate checked
More details - 3.70%APY$370 over 1 year on $10,000
Requirements
Product: Requires $50 opening deposit and a commitment to contribute at least $40 per month for 12 months by payroll deduction or automatic transfer. Within 12 months, funds reach $500 and can roll over to a traditional certificate account. Early withdrawal penalty applies. Promotion available for new members where initial $50 opening deposit is covered with promo code within 30 days of establishing membership.
Offer: Requires commitment to deposit at least $40 per month via payroll deduction or automatic transfer.
Effective Sep 1, 2026
Rate checked
More details - 3.64%APY$180 over 6 months on $10,000intro rate
Requirements
Product: Penalty may be charged for early withdrawal. Advertised Annual Percentage Yield (APY) may change after maturity. Fees could reduce earnings.
Offer: Penalty may be charged for early withdrawal. Advertised Annual Percentage Yield (APY) may change after maturity. Fees could reduce earnings.
Promotional rate · Effective Feb 3, 2026
Rate checked
More details
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What CDs pay in Clearwater, FL
208 CDs at 14 banks and credit unions · checked Oct 15–22
- Typical
- 2.00%
- Top 10% from
- 3.93%
- Banks, typical
- 0.50%
- Credit unions, typical
- 3.70%
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Find your bank or credit union to see all its rates and how they compare near you.
Tampa, FL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Oxford Federal Credit UnionCredit union · 1 branch
- Climate First BankBank · 1 branch
- Suncoast Credit UnionCredit union · 30 branches