Compare Bank & Credit Union Rates
Best CD rates in Tampa, FL
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 16–30 results in Tampa, FL
- 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 - 4.08%APY$408 over 1 year on $10,000
Requirements
Product: Penalties for early withdrawal of principal. Deposits insured up to $250,000.00.
4.00% interest rate · Effective Oct 5, 2026
Rate checked
More details - Grow FinancialCertificate AccountCD · 24–29 months · $500 min · 4.07%–4.18% by balance
Credit union · 6 branches
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 - 4.05%APY$234 over 7 months on $10,000
Requirements
Product: Minimum opening deposit and minimum balance to earn dividends is $500. Automatically renews upon maturity. Special offers renew into regular certificates at specified terms.
Offer: Special offer; renews to 6 month regular certificate upon maturity.
3.98% interest rate · Effective Jul 1, 2026
Rate checked
More details - 4.00%APY$165 over 5 months on $10,000intro rate
Requirements
Product: Minimum opening deposit $5,000, maximum $250,000. Must be funded via ACH transfer from an external bank account. Funds must be new money, not on deposit with First Citizens within the past 90 days. Must be opened by an individual residing in a state where a First Citizens branch exists. Not available as an IRA.
Offer: Earn up to 4.00% APY on a 5-month CD.
Promotional rate
Rate checked
More details - 4.00%APY$198 over 6 months on $10,000
Requirements
Product: Save to Win program; $25 deposit into Save to Win account for prize drawings. Rates are APY.
Effective Oct 15, 2026
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$400 over 1 year on $10,000intro rate
Requirements
Product: Special Program terms and restrictions apply.
Offer: Special Program terms and restrictions apply.
Promotional rate · Effective Jul 1, 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
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 - Gallup FCUCertificates of DepositCD · 60 months · $10,000 min · 4.00%–4.50% by balance
Credit union · 1 branch
4.00%APY$2,167 over 60 months on $10,000Requirements
Product: Membership is open to all full- and part-time Gallup employees/associates and their immediate family members/household members.
Effective Jul 1, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $10,000 and upYour amount 4.00% $50,000 and up 4.50% Rate checked
More details - Lake Michigan Credit UnionCertificates of Deposit (CDs)CD · 60 months · $500 min
Credit union · 3 branches
4.00%APY$2,167 over 60 months on $10,000with conditionsRequirements
Product: Minimum opening balance of $500. $5 member savings balance required for membership. Rates subject to change. Early withdrawal penalty may apply.
Offer: Includes 0.25% MORE VIP Relationship Reward Bonus (400+ points).
Qualified rate · 3.93% interest rate · Effective Sep 18, 2026
Rate checked
More details - 3.95%APY$395 over 1 year on $10,000intro rate
Requirements
Product: Minimum opening deposit is $1,000; maximum opening deposit is $250,000 per CD. Advertised promotional rates are for accounts opened online. Early withdrawal penalties apply. At maturity, CDs automatically renew into the standard CD term closest in length at the then-current standard rate unless instructions are provided during the 7-day grace period. No account fees.
Offer: Promotional rate for online accounts. Fixed for initial term. Automatically renews into standard rate closest in length at maturity.
Promotional rate · Effective Aug 10, 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 - 3.80%APY$252 over 8 months on $10,000with conditions
Requirements
Product: Interest earned is compounded daily and credited monthly. Subject to early withdrawal penalty. Automatically renews on maturity date.
Offer: Early withdrawal penalty: terms 12 months or less subject to an amount equal to 91 days of interest earned or that could have been earned. 10-day grace period after maturity to withdraw funds without penalty. Maximum Relationship Rate shown.
Qualified rate · Compounded daily · Effective Sep 24, 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 Tampa, FL
494 CDs at 40 banks and credit unions · checked Oct 4–22
- Typical
- 3.10%
- Top 10% from
- 4.00%
- Banks, typical
- 1.51%
- Credit unions, typical
- 3.45%
Is your bank paying you enough?
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