Compare Bank & Credit Union Rates
Best CD rates in Pensacola, FL
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Pensacola, FL
- 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 · 1 branch
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 - 4.21%APY$457 over 13 months on $10,000intro rate
Requirements
Product: Limited-time offer. Compounded monthly. Upon maturity, funds will transfer to a 12-month certificate or a chosen share account. Early withdrawal penalties may apply. Rates as of 10/15/2026.
Offer: 13 Month. Compounded monthly. Limited-time offer.
Promotional rate · 4.13% interest rate · Compounded monthly · Effective Oct 15, 2026
Rate checked
More details - 4.20%APY$600 over 17 months on $10,000
Requirements
Product: Open to those who live, work, go to school, or worship in 17 counties from Mobile County, Alabama to Leon County, Florida. Early withdrawal penalties apply.
Offer: Early withdrawal penalty applies.
4.12% interest rate · Effective Sep 30, 2026
Rate checked
More details - 4.10%APY$169 over 5 months on $10,000intro rate
Requirements
Product: Rate based on ZIP code 43215. Minimum opening deposit is $1,000. For accounts less than $100,000. Early withdrawal penalty applies. Not valid with other offers, no rate exceptions. Not available for brokers, agents, public entities, or financial institutions.
Offer: Promotional rate. Account balance less than $100,000. Early withdrawal penalty applies.
Promotional rate · 4.02% interest rate · Effective Oct 16, 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 - 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$434 over 13 months on $10,000intro rate
Requirements
Product: Promotional CDs can be opened and funded entirely online (or at a branch for select terms). Automatically renews at maturity. Can be used as collateral for a personal loan. A penalty may be imposed for early withdrawal. Fees may reduce earnings.
Offer: Will automatically renew at maturity of CD. Can be used as collateral for a personal loan. A penalty may be imposed for withdrawal before maturity. Visit a Branch to Open Today.
Promotional rate · Effective Oct 13, 2026
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More details - 3.82%APY$126 over 4 months on $10,000
3.75% interest rate · Effective Jan 14, 2025
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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 - Gulf Winds Credit UnionTerm Share Certificate AccountsCD · 60 months · $500 min
Credit union · 1 branch
3.70%APY$1,992 over 60 months on $10,000Requirements
Product: Membership eligibility is required. Account opening subject to approval. Early withdrawal penalties may apply. Term Share Certificates automatically renew at maturity.
Offer: Compounded monthly.
3.64% interest rate · Compounded monthly · Effective Sep 18, 2026
Rate checked
More details - 3.62%APY$179 over 6 months on $10,000
Requirements
Product: Minimum balance of $250 required. Penalty for early withdrawal applies.
Offer: Penalty for early withdrawal applies.
3.56% interest rate · Effective Mar 1, 2025
Rate checked
More details - 3.50%APY$144 over 5 months on $10,000intro rate
Requirements
Product: Minimum deposit balance to open is $1,000. No service fees. Penalty may be imposed for early withdrawal.
Offer: 5 Months Special is for a limited time only with maximum funds of $50,000 and may end at any time. Specials rollover into Share Savings at maturity.
Promotional rate · 3.45% interest rate · Balance cap $50,000 · Effective Oct 1, 2026
Rate checked
More details - 3.15%APY$315 over 1 year on $10,000
Requirements
Product: A penalty of 7 days interest will be imposed for early withdrawals within the first 6 days of the account term or following any partial withdrawal. Automatically renews into a 3 Month Flexible CD at maturity unless changed during 7-day grace period. Online opening limit is $250,000.
3.11% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Flexible CD Balance APY Up to $9,999 3.15% $10,000 – $99,999Your amount 3.15% $100,000 – $999,999 3.65% $1,000,000 and up 3.65% Rate checked
More details - Members First CU of FloridaBump-Up Certificate of DepositCD · 60–120 months · $500 min
Credit union · 3 branches
2.80%APYRequirements
Product: Option to bump up the interest rate to a higher rate once during the life of the CD on 24 months or longer terms. Dividends calculated by Average Daily Balance Method. Membership share requirement $5.00. Early withdrawal penalties apply. Automatic renewal with 10-day grace period.
Offer: Member has discretion to increase rate one time
2.77% interest rate · Effective Jan 1, 2026
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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 Pensacola, FL
146 CDs at 13 banks and credit unions · checked Oct 15–22
- Typical
- 2.38%
- Top 10% from
- 4.00%
- Banks, typical
- 1.01%
- Credit unions, typical
- 2.95%
Is your bank paying you enough?
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Pensacola, FL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- United BankBank · 3 branches
- Champions First Credit UnionCredit union · 1 branch
- Eglin Federal Credit UnionCredit union · 2 branches